Not everyone is in a less fortunate circumstance. I worked on
DCL as a server and certainly wouldn't consider my circumstances to be less fortunate than most. Intact, the money i earned on DCLwas quite frankly, insane! Yes I worked hard for it and the days and hours were long. Unfortunately for me I'm from the UK so the exchange rate wasn't great when converting my hard earned dollars into pounds. But people from other countries really were fortunate. My "circunstances" are from an educated background - i just so happened to fancy working on a cruise ship.
A lot of people had sob stories up their sleeves. Photos of family back home - not all times, but a good few they were young bachelors who didn't have kids - just photos of friends kids. It made the money flow a lot easier. Whilst ship life is hard, let's just say there are a lot of ways to have fun, so when you are hearing about the doting husband sending all his money home to his wife, he's probably got a few other relationships going onboard or in certain ports. Paid or not.
I know people that bought houses mortgage free back home after a couple of contracts. Nice houses too.
I still tip fairly, but do remember that working for a cruise line is a job, not a prison sentence - despite how some may paint it.
Also, there are choices to be made by employers. Disney is a multi billion pound company and they want guests to pay an 18% gratuity, split it amongst all staff and then still expect you to tip. What disney actually pay these people is criminal - well, it would be most countries - but ships registry and all that! But do remember DCL has a choice to pay people how they pay!