Of course this is due to getting a piece of paper with a fancy government logo on it and not due to the fact that you have some sort of agreement in the first place combined with the possibility of grace from the sacrament of Matrimony.
I’d flip it around the other way–people who don’t bother to get the “piece of paper with a fancy government logo on it” and/or who don’t understand how important it is in producing a financially stable, functioning middle class family tend to have families that blow up–hence the 65% failure rate.
I know you’re concerned about divorce and losing “your stuff”–but here’s a list (culled from a page on gay marriage) that may explain what the shack-up couple is missing out on
fidelity.com/viewpoints/personal-finance/same-sex-financial-implications
–“Some couples marry because some employers have ended domestic partner benefits.” Good employer-provided health insurance is still very important. In fact, I’d say (anecdotally speaking) that health insurance benefits are one of the leading reasons that modern secular couples marry when they do. It’s not uncommon for the wife to have the well-insured job and for the husband to be the entrepreneur/freelancer/irregularly employed guy who doesn’t. (I often hear women say they can’t quite working because they carry their family’s insurance.)
–“Legally married spouses can now claim Social Security benefits on their spouse’s work record.” That’s a big deal. It would be very hard to re-create that sort of income flow out of savings.
–" U.S. citizens who are legally married can also leave an unlimited amount of assets to each other without triggering federal estate taxes." That is also a VERY big deal, especially for people with large (seven figure) assets.
–There’s a tax benefit especially for married couples with unequal incomes–it allows the higher earner to spread their income around and miss a lot of taxes. ““Filing jointly tends to be beneficial if one spouse earns most of the income,” says Mark Luscombe, principal federal tax analyst for CCH Incorporated, a Wolters Kluwer business. “But it may be detrimental if both spouses have roughly equal income.”” Also, eligibility for a lot of things tends to have a much higher (and more advantageous) number for a married person than for a single person.
–“The expenses of an employee, his or her spouse, or the spouse’s children are eligible for reimbursement from a health savings account (HSA) or flexible spending account (FSA) tax free, provided they are used to pay for qualified medical expenses.”
–“Same-sex spouses of military members may be some of the greatest beneficiaries of marriage equality, because
a legal spouse is eligible for a wide range of military benefits, from pension survivor benefits to health care to housing.” It would be very, very hard (almost financially and logistically impossible) to be a non-legally married military spouse.
– "A married person can leave any amount of assets to a legally recognized spouse without triggering any federal estate taxes. In comparison, unmarried couples do not have the same advantage of tax-free transfers to one another, because assets passed to anyone other than a spouse can trigger an estate tax if the value of the assets exceeds the federal lifetime gift and estate tax exclusion amount of $5.49 million for 2017.
Additionally, the tax liabilities can be even higher in states that have a separate state gift, estate, or inheritance tax.
“A surviving spouse may also be able to take advantage of portability—the ability to make use of a deceased spouse’s remaining unified exemption.”
–“Gift tax: Gifts of more than $14,000 annually to nonspouses eat into the giver’s lifetime federal gift and estate tax exclusion. Therefore, gifts between partners in an unmarried couple require careful tracking, as they must be netted against the giver’s lifetime exclusion. For example, for unmarried couples, adding a partner (nonspouse) as joint owner to the deed of a million-dollar house will reduce the donor’s exclusion by $486,000 (the $500,000 gift less a $14,000 annual exclusion). Legally married spouses may also take advantage of “gift splitting,” which allows a married couple to split the total value of a gift to a third party and have it treated as though each spouse contributed one-half of the amount to the recipient.”
–“Retirement plan rollovers: An inheriting spouse can roll over inherited assets to his or her own IRA and defer minimum required distributions until he or she is 70½ years old. Generally, a nonspouse inheriting an IRA has to either start taking required minimum distributions no later than December 31 of the year after the IRA owner died or withdraw the entire balance within five years of the IRA owner’s death.”
–“Same-sex
couples who have not legally married will not be afforded “next-of-kin” status over each other, and in the instance of a medical emergency may even be treated as legal strangers.”
Adding up all of those issues, being a legally unmarried long-term couple is (potentially) every bit as expensive as divorce, if not more so, especially for the more affluent.
Additionally, I have to ask, what kind of family would accept non-civilly married status for their daughter and hypothetical future grandbabies? I would personally be very suspicious, would not want that for my daughter, and would be very clear that (should she ever wish to get out), my financial help is always available.
I know that there are small Protestant groups in the US that avoid civil marriage (for various reasons), but anecdotally speaking, people who do that are a) living in near 3rd world poverty even in the US and/or b) split up fairly often. I’ve never heard of anybody doing it for religious reasons who had something resembling a middle class life.