Will you marry me? (Are you sure?)

With divorce rates sky-rocketing to 46%, we still ask ourselves this question: is it really worth all that money? What if there was a "Trial-period"? What if someone would pay for your wedding?

Here's my idea:  Start a company that pays for your reception costs (or wedding costs) up to a certain dollar amount, kind-of like a loan... except the terms are different from a bank.

It goes like this: we will front you all expenses for the cost of the wedding or reception (or both up to a certain amount)

• If within 90 days you decide you want to divorce, you pay back the full amount + 20%.  
• After 1 year it would be total + 10%....
• After 5 years you would pay back 75% of the cost.. 
• 10 years 50%.. 
• 15 years 25%... 
• and we figure by 20 years, you are pretty much going to stay together so we have paid 100% for your wedding costs. 

Here is the intention: you don't start your marriage off with the financial burden of having to come up with the insane amount of a wedding. Your wedding was debt-free to you.

Here is NOT the intention: forcing people to stay together.  No, we don't want you to stay together just to keep your money.

And as with every contractual agreement, there would be circumstances that would make the loan void.  Examples of this would be: killed in combat, domestic (which in this case, the debt would go to the abuser), or death.

In these events, there would probably be a 5-20% payback (depending on the term of the marriage).

I don't know what I'd call it yet. Maybe I'll have an answer for that later. :)