Not really. When people pay $15 insurance on car, they dont pay a dime even if the car is totaled but when you crash your OWN car, you have to pay and your insurance goes rocket high.
What you are talking about wife totally depends on people and its called the reality of life before getting marriage its all fake. Calling home 100 times just does not cut it in real life. btw, dont turn it into wife/husband thread. Intensity shown before marriage and Intensity lost afterwards is always from both ends