We had a great Med cruise on the Epic starting from Barcelona . Someone said the Epic is the ugliest ship afloat . I responded that you can't see the Epic from the Epic . 😁I expect with time and experience you won't book so many cruise ship excursions.
For us they were not lost. We found out on our NEXT cruise with NCL. When we put our room card in the machine, the credits were sitting there in our account and ready to be put on the machine. However, if you never take another NCL cruise I am not sure how you would get those back... very shady indeed!