I really like all the twists and turns in this story, @fantom22. After everything goes wrong and the situation seems impossible, these two people are drawn back together at last.

I have a tip for you for formatting. If you read other stories in The Ink Well, you will see that this is the most common way to format stories, and it makes them easier to read. It's pretty easy. You just group together the ideas that belong together in one paragraph, and then add a blank space, and then do it again.

Currently, you put almost every sentence on a new line, so that each one is a separate paragraph, and there are no breaks:

The cruise was on its way to its destination with the sea waves speeding in, about twenty days left to reach it. More than 100 passengers were on board the cruise, which looked like a festival.
All of them were headed towards the Dalmatian Islands, Croatia. Passengers were enjoying themselves in their own way.
Some were dancing, drinking, and some were enjoying the sunbath on the deck.
And other couples were talking among themselves.
There was only one person, Frankie. Apart from that, he was looking to the girls through binoculars.
Frankie was a 25-year-old, cheerful, handsome, and playboy-type rich man, and he was also on this cruise to go to Iceland.
Frankie was a lover of girls. He believed in having only physical relations with all girls. He did not know anything about love.
Actually, he was a painter, and his paintings were sold to customers at high prices.

But look how much easier it would be to read this if you collect several sentences in one paragraph, add a break (blank space), and then add a few more sentences in the next paragraph. And when something important happens (Frankie shows up) we can see when that happens, because it is at the beginning of a new paragraph.

The cruise was on its way to its destination with the sea waves speeding in, about twenty days left to reach it. More than 100 passengers were on board the cruise, which looked like a festival.

All of them were headed towards the Dalmatian Islands, Croatia. Passengers were enjoying themselves in their own way. Some were dancing, drinking, and some were enjoying the sunbath on the deck. And other couples were talking among themselves.

There was only one person, Frankie. Apart from that, he was looking to the girls through binoculars. Frankie was a 25-year-old, cheerful, handsome, and playboy-type rich man, and he was also on this cruise to go to Iceland.

Frankie was a lover of girls. He believed in having only physical relations with all girls. He did not know anything about love. Actually, he was a painter, and his paintings were sold to customers at high prices.

I hope that helps! Good luck and keep writing.