I was at sea in the '50's when pure cruise ships were rare, except for the Monarch of Bermuda and Queen of Bermuda which operated from the US anyway. With the P&O we would do 3 Aussie trips per year and about 3 months cruising from the UK. We found that the bulk of our cruise passengers were either hoteliers or bookmakers and various other villains who did not want to declare all their income to Inland Revenue. As such they would chuck money around as if it were going out of fashion. As stewards we obviously benefitted from this largesse. But we still had to work for it. As a BR I thought nothing of working a 14 hour day even though we were limited to claiming only two hours a day overtime, it was called 'providing service' and it paid off.
I have never been on a cruise as a passenger, never had the desire to. But if offered a passage on an old tramp I would jump at the chance. If I were to go on a cruise ship I would object strongly to paying a fixed sum in lieu of tips. To my mind this is a disincentive to providing service, knowing that whatever you did you were limited by whatever the purser decided to dole out. Most stewards were good at summing passengers up as soon as they came aboard and knowing the ones who would appreciate just that bit of extra service and rewarding it accordingly. On the ships I served on the majority of the crew were from the Indian sub continent. Although by our standards they were probably poorly paid but were considered well off back in their own country. So the Goanese galley staff,pantry men etc.were usually content with their lot, and would be happy with a couple of bottles of Guinness if they did you a favour.I found things completely different on my one spell with Cunard. I found there that you got nothing from these people unless you paid for it. This made for a very uncomfortable atmosphere for me and I was glad to get back to the old P&O.
Cheers, Pete