She had “medically disembarked” from the cruise to seek local treatment on that day, Norwegian said.
There is no information on her medical condition. If an adult wishes to disembark from the cruise, what do you expect them to do? They can’t legally prevent her from doing so.
And the other people scheduled a private tour unaffiliated with the cruise when they knew they had to be back on the ship by 3pm. They probably figured that the ship would wait for them and inconvenience everybody else if necessary. They got what was coming to them.