and based off losing half of my assets when it goes to shit and getting accused of rape to maximize the payoff, I think the cost is far too high.

That's today. The point of disagreement was historically. I wouldn't consider it worth it today by any means, but in the past the incredibly social shame and inability to really rebuild helped keep women much more in line in regards to marriage. Not perfectly, but enough to lower the risk to worth it.

And its far less about money or effort and about time. Only so many hours a day, some of which I would like to spend de-stressing from work and possibly socializing. And the way it is about money is that not everyone is rich enough to just order food constantly and have fancy expensive things to keep their house super clean.