For once I agree with Ryanair!
Not a great fan of MOL or RYA, but who can argue that having bought a £30 ticket, the airline should be responsible for £'000s of hotel bills when the flight is cancelled by events outside of their control?
If a pax decides not to take out adequate travel insurance, then they have opted to take the risk themselves, and shouldnt try and get the airline to pay for their mistake!!!