Not sure why you're complaining. Yes, it sucks you couldn't continue your cruise. Would you have preferred the cruise line did not pack up your belongings so you wouldn't have them? Would you have preferred you continued on the cruise even though your husband needed surgery? Also don't know why you think you should get money from the cruise back. It's not like the cruise line could resell the room.
As someone else said, medevac is expensive and would only be if someone is on death's door. That wasn't the case here.
Yes, people should buy travel insurance. You learned a valuable lesson.