Well, since some high percentage of married couples never have sex, of course it is possible that they’re not. All it takes is one of them to say, “Not tonight, honey, or any other night before we’re married, or I’ll bean you with this skillet so get the hand off of my thigh.”
Having said that…they could be as poor as church mice without a friend in the world and still scrape up the pennies for a cot or a futon…very handy for when they finally find a friend or family member to take pity on them in their poverty. What, are they really saying that if they got out of the relationship, they’d be on the street? Not likely. If so, all the more reason to find other accomodations. You wouldn’t want anyone saying they felt compelled to marry out of financial necessity.
I know a couple who are using this excuse. They could afford for one of them to have an apartment. It would just not be as convenient…and that could be in more ways than one, but I didn’t ask. Let us just say that we covered the theoretical basics in our conversation, and leave it at that.
That couple, OTOH, is in the situation where one of them really wants to get married and the other isn’t so sure. Foolish, foolish, foolish, and that goes for both of them! You could say that cohabitation is cohabitation is cohabitation, but I still say it is an invalid marriage on the hoof.