FCC is by person, so if your husband sits out the next cruise, I would think he could get a refund, which you could, in turn, use to pay for a friend. You'd lose the 25% bonus, though.
I learned something today with my second COVID cancellation, that a subsequent cancellation of a cruise paid for with a FCC results in the restoration of the original FCC. If you reschedule to a more expensive cruise with your FCC, you don't get a larger FCC. The FCC is based on the ORIGINAL fare (minus taxes). In my case, when my March 2020 cruise was cancelled, I received the FCC and a refund of port taxes and fees back to my credit card. I then rescheduled to an April 2021 cruise, where fare + taxes + VPP came within $200 of the FCC. When my agent rescheduled again today, my original FCC was intact, as if I never scheduled the April 2021 cruise. I figured I'd get a refund of the taxes and fees, and my FCC would be reduced. That was not the case.
Because my next attempt at a cruise is this summer and is longer, I'll have a balance due by the PIF day, which I'm fine with for this cruise. I was told that if this cruise gets cancelled, my FCC would be restored to the same amount as it was in March 2020, and that I'd get a refund of any additional money I end up paying for this latest attempt at a cruise. (That's what I wanted, because I didn't want a bigger FCC if summer gets cancelled. My next reschedule option after that is April 2022, and right now, that looks like it'll cost less than any of my other cruises.)
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