Another factor is viral load. More evidence is coming out that the total exposure can be a big factor in severity of symptoms and risk of death. This is likely partly why healthcare workers, including young ones, are often becoming grievously ill and sometimes dying.
In a confined space that everyone is stuck in for an extended period of time, people are continuously getting exposed and re-exposed to the virus, and those people are getting infected and continuously re-exposing everyone else. The ship eventually becomes a frothing virus stew.
Maybe one exposure ends up with a bit in your mouth from a nearby cough, and then another from your hand touching a surface and then wiping your nose or eyes with the back of your hand, etc., and then those keep happening over and over. Without proper ventilation, everyone will be getting exposed from breathing the same air in certain rooms, too. The frequent exposures give it more numbers that need to be fended off and more footholds to gain in different internal areas.
Then combine that with the high average age, lack of adequate medical care on the ship, general ignorance over the virus at that point, maybe re-use of unwashed clothes or hats.
Extrapolating from an environment like a ship or a hospital should be done carefully.