I stand corrected. You make some very good points.
We, too, have been on many cruises with different cruise lines.
We like to think we are independent in our planning, which is one reason why I have found Roll Calls a useful source of information, e.g. about independent tours rather than ship tours. On several occasions we have linked up with other passengers to rent a minibus to visit an attraction at our own pace. I have used recommendations from other folk (on Cruise Critic and Trip Advisor) to find private guides, car hire companies etc. or to discover better ways of visiting places.
And I like to hope that, in return, we have been able to help others - maybe new cruisers - with their questions.
However - and possibly most importantly - I take your point about personal security. When signing up for websites I always try to give a false location, phone number etc. But personal/home security is more and more important. And hackers are more and more skilful. Which is why we have recently invested in a remotely monitored comprehensive video recording home security and alarm system.
I had no intention of making deprecating remarks about the Saga generation - we are well into that category ourselves!