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Newbie here, sorry, but how much cash should I bring on the ship?

Carnival Conquest 6 day trip So they have these cards you use on the ship that you use like an ATM card. Not sure how they work, if they are prepaid, can I put a limit on them with our 11 year old son, is there any banking fees. But I will call carnival for those questions. My question is how much cash should I bring for when we get off the ship? I been told $200, but if I want to buy lunch off the ship, tip people, buy souvenirs, is $200 enough? I don’t want to bring too

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