
It should be universal. A given Failing to get one, is actual straight up gambling. And if placing bets on someone else’s marriage is incredibly inappropriate (I’m told that’s a pretty broad consensus), it’s crazy to think it’s ok to place a bet on your own when you can so easily just completely avoid that
I honestly think yall are beating a dead horse with #3 for absolutely zero reason, but another angle of this is that you get insurance because even though you may plan on driving safely, not everyone does, and someone ELSE may cause you to need to utilize your insurance. Likewise, perhaps you plan on eternity with your partner, but they could always become unloyal, or they go thru something that changes themselves as a person and they don’t want the relationship anymore. Anything can happen.