What this tells me is you stereotype the men you're seeing off rip, then you work backwards from that stereotype to justify a future debt that they need to repay upfront. Why do you treat your dating life like Minority Report? Why are you so comfortable stereotyping instead of treating men as individuals with undetermined futures? Women overwhelmingly initiate divorce. Should I ask for some special compensation in preparation of that? Or is that really transactional and neurotic and weird?