Though we would certainly like to cruise in September, I'm not confident the cruise is even going to happen, especially seeing as how they are still working on repatriating crew. So we pushed it out a few months, to 2021, to make sure we could still use our onboard booking discount before it expires. We did that a couple of days before we were to be PIF (couple of weeks ago). Our thought was that we can keep the remainder of the cruise balance in our pockets for a few more months and wait and see how things go.
I feel like DCL will certainly give refunds or credits if the cruise doesn't happen. However, if the cruise sails, and people aren't ready to go or don't like that amenities/activities will be impacted, that was the passenger's responsibility to make that decision, imho. I suspect there will be discounts or credit given if the cruise doesn't have all the usual amenties, but that is not in the contract you made with the cruise line and DCL can't run in the red forever.
I'm just of the mind that significant changes to the cruise experience can and should be anticipated by passengers for the near future and people should take some of their own responsibility instead of the "DCL will make it right at their expense" attitude. At this point, it's not like we don't know that cruising will be different from before.
(and yes, I get that people who booked fares that were *GT before the effects of the virus were known, and don't have a separate PIF date are in a different category. That said, if you book one of those amazing *GT rates for August 2020 like today , read your contract carefully.)