Long-time cruiser here, both ocean and river. Each has its pros and cons.
I sincerely hope what I am about to say does not sound arrogant, disrespectful or condescending. When cruising, like virtually anything else in a capitalist economy, you get what you pay for. When my wife and I took our first cruise (over 20 years ago), cost was paramount. We did not have many drinks, did not pay for many shore excursions hated the "suggested" tips, and had to sign up for early or late dining to join an assigned table with.........whomever. Since then, we have been fortunate to be able to afford cruising with Regent, a top-drawer cruise line that is completely all-inclusive. No tips, all drinks (yes, alcohol too) included 24/7, all shore excursions included, wi-fi included, all restaurants included with fabulous food, dine when and with whom you wish, and large cabins, all with substantial verandahs. Yes, it cost considerably more than the mainline cruise lines' base fare, but like a prepaid vacation to Disney World, once there, you don't need to spend a dime.
The ship we are sailing on this weekend accommodates only 750 passengers.
If you cruise on a mainstream ship and then added the cost of all the "extras" we have enjoyed, our total fare would not be substantially more. Higher............yes.............but worth the premium.