You seem to be saying that cruise ships are taking a risk. Your fear is that a cruise ship could find itself in a very bad situation.
I have a problem with that. It seems to me that companies that insure cruise ships, should, without necessarily prohibiting anything, warn cruise lines that their vessels may not be insurable if they sail in an area that they may or may not be familiar with. I also know that, at the moment, the whole government search and rescue operation is not yet up to speed. I share your reservations. If a vessel were ever in distress in the far north, it would take an enormous amount of time before search and rescue operations could get underway. If I owned a cruise ship line, I would not be inclined to send my ships into the far north at the first opportunity.