I agree. I don't think they are too worried about refunding folks. I used the chat on the website today to verify that the current cancellation policy that goes through tomorrow, 8/6 for full refund was for Dream passengers only. (I'm so paranoid; I needed to hear it from the horses mouth.) She said that she couldn't guarantee it but believed that there would be a similar policy for Fantasy cruisers when Fantasy guidelines were announced.
We are scheduled on 9/11 Fantasy that was rescheduled from Sept. 2020 - currently 30 some odd days out and the refund policy as it stands would not give us all of our money back. We were playing everything by ear, but as things have constantly progressed, as first time cruisers, we fill that we are going to need to wait longer to really enjoy the Disney experience. We received a FCC last Sept. when we rescheduled, but now I would really like my money back, instead of Disney gaining interest, I could and reschedule maybe in 2023.
With things changing daily at this point, I think the best customer service is offering as much flexibility as possible, which I feel like they are doing - even if it is slow going.