I mean the danger of capsizing in a cruise ship is vanishingly tiny, and the Navy has similarly top heavy vessels, like aircraft carriers. They have massive keels, and their displacement is so huge that rough seas mean almost nothing to them. You're far more likely to die in millions of more common activities than to a cruise ship capsizing. I don't really see how taking statistics is helping your argument at all, as statistics are on the cruise's side. Driving or riding in a car is far more dangerous.

Now, cruise ships suck for other reasons, like their exploitation of poor countries and massive carbon emissions. Arguing against cruise ships from a statistical safety standpoint is like arguing against airplanes because they could crash, regardless of how likely. The cruise ship excursions and activities on board are more dangerous than their seaworthiness.

Statistics about top heavy cruise ships being unsafe? I suppose germs, but since you preceded that they are unsafe with being top heavy, I'm guessing you weren't talking about germs.