Much as Colin said, but the scale effect of wind speed is proportional to the square root of the scale because of the area effect mentioned, so yachts, liners and aircraft carriers all have the same problem.
Of course, on a model liner, you don't have to install all of the upper deck interior works. But some will try, and will learn of "loll".
For the real future liner, anybody remember what I recall as the opening page of an early "Lion" comic? It involved what looked to be a low flying ocean liner (mid '50's, airliners not yet that practical) meeting a sticky end, flying lifeboats hither and yon, and I can't remember the name of the hero Captain even for cake, but the arch villain was "The Dictator". Looked a lot like my last primary school teacher.