This is the idea that marriage involves just two people and their love. In fact, it also involves family, friends, community, church, and God.
And the law! That “piece of paper” confers legal obligations, rights, and benefits.
For example, when living together if one partner unexpectedly dies there is no Social Security or retirement benefits for the survivor of the pair. This can create great hardship. The loss of a home and possessions, just off the top of my head. When a couple is married, the surviving spouse has a right to collect Social Security, retirement benefits, and will be able to keep the marital home as well as property. Not to mention the tax benefits a married couple is entitled to that a couple living together are not.
Another example is when a couple lives together without marriage and one half of the pair decides to leave. Again, the remaining half of the pair could be in a very bad spot financially. But when a marriage breaks up there are legal protections that can be applied. The spouse who left can be asked to pay all or a portion of the bills in the marital home for a period of time to give the other party opportunity to get on their feet.
And what about health concerns? When a couple is married they can share health insurance benefits. If a spouse is unconscious and cannot make his/her own treatment decisions, their husband or wife can make those choices on their behalf. When an unmarried but living together individual is unable to make medical decisions the next of kin (blood family) are called in to do so and may entirely exclude the live in partner from the process.
What if there is a child born? When married, birth records and custody are already regulated. The couple legally shares custody and the father automatically goes on the birth record. For an unmarried couple, custody varies by state and additional paperwork must be filled out to put a father on the birth record.
Yup, not just a piece of paper.