I am complete sympathetic to the OP. My sister suffered what sounds like the same injury about two months ago. The recovery plan is identical and she is, hopefully, tomorrow, going to begin the process of putting weight on her ankle after two long months of frustrating bed rest, having to rely on her family for simple things, and not being able to leave her home without assistance. Put simply, I get the frustration and yes, anger, involved.
Having said that, this is the same sister I am able to treat to a cruise periodically. For me it's sister time, so it's totally worth it. I pay - she gets the points - because they are for nights sailed, not dollars spent. Fair or not, that's just the way the programs work.
My hope is for the OP is for a speedy and complete recovery and being made financially whole so so she can experience that amazing cruise in the future.