Ed, I completely agree and what you describe is ideal.
However, our world is not ideal sadly. People are expert scammers and con artists, some are so good you’d be comfortable and convinced you knew them.
The thing about love is that it usually nullifies logic and reasoning. People know that and they take advantage.
How does one take precautions the Catholic way?
Go to your priest. Get to know her/his family. The apple doesn’t fall too far from the tree. If the marriage was intended only so that the other person could get what they want then simply ask: “Before we get married, tell me. What do you expect to happen?”
Before a relative of mine and her fiance got married, they had to go to a retreat and deal with those practical questions regarding life. In the past, the man went to her father and told him he intended to marry his daughter. The father, having been his age once, got it. So, he would ask all the right questions: “How are you going to support my daughter? Tell me about your job. Do you have reliable transportation? Where are you going to live?” It was her father’s and her mother’s proper place to make sure their daughter didn’t end up with a lazy guy, a drunk, and a smooth talker who only wanted what he wanted. The same for the young lady talking with his parents.
Talking to a priest before marriage is helpful for practical and spiritual purposes. When you stand before him and make your vows before God and man, you’re expected to keep them. Like I wrote earlier, people, for whatever reason, don’t take the time to really get to know the other person. Such as, what are his or her friends like? Do they have shady characteristics? Trust is something earned. And if you’re not sure then don’t keep the relationship going.
I know that for some, it’s “Well, we’ll date for a while, get engaged for a year and get married.” Not all people are the same, and if you really feel you can’t trust the other person then get out.
If anyone is bothered with the possible financial risks down the road then perhaps marriage is not a good choice. Life is a risk. Sometimes, the other person isn’t ready. Sometimes the other person turns out to be unsuitable, so you don’t end up marrying him or her for good reason. I know some people don’t like the word ‘no’ or ‘it didn’t work out.’ But that’s how it goes.
Peace,
Ed