What we don't know is where else other assets have already been used to secure credit elsewhere. They may have focused on Celebrity to secure this loan because that's all that remained free to be used or it's easy to document for the purpose of collateral. They might be preparing and securing credit then while they could, uncertain what the future holds. Now that we are five months later it's a very different game.
Other loans or credit may have stipulations attached. If you acquire a car loan you can't use that money for just anything you want to, it has to be used for a specific vehicle. That's a simplification but this debt and all other debt will have clauses. One may say it can't be used for payroll, executive bonuses or stock buyback, it must be used on physical assets that are secured to the debt. Another may be more board in scope but come with a higher cost. This money might need to be used to keep Celebrity ships floating.
Corporate finance and debt is complicated but it is so to protect everyone involved. Time and again throughout history some companies did shady things with loans that ended up in an executive car, house, yacht or vacation then the creditor is screwed so they tend be extremely complicated for all the right reasons.
But if you want to have money to use for everything you better get another type of loan rather than a car loan. The best way is to find a suitable online service or app, for example it can be Unacash, a review of which you can read here https://triceloans.ph/unacash-review/. You will get money in the shortest term and you will be able to use them how you want. For example, to buy drinks, video games, shirts and many others that will come to your mind.
OK, need help to understand this one -- Royal takes out $2.2B loan
in Royal Caribbean News and Rumors
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