It is difficult for a person to get what they desperately need.
When you have money, people are willing to trust you upfront and give you funds first. When you're broke, sorry—you'll wait many years, and it'll involve kids. You'll likely end up with wealth that matches your financial standing.
The less you need money, the more supply there is. The more desperate you are, the harder it's to get it, and more predators are waiting for you. Where there's profit margin, professional scamsters will emerge.
Marriage is like two companies merging—and after the merger, you might fall into a financial trap. This is common in corporate M&A cases.
For wealthy people, targeted inheritance isn't complicated at all. They can ensure designated individuals receive their assets, while non-designated ones get nothing. They can even specify exact annual distributions. By separating control rights from收益 rights, they can prevent others from claiming assets through marriage with their descendants. By bounding the operating scope of asset control, they can effectively avoid investment risks. Since their goal is safety, not returns, this is straightforward.
Such things aren't difficult for the wealthy.
Separating money from people—wealthy people focus on money; those without money focus on people.
You don't need to worry about a broke woman scamming a wealthy man, or a broke man scamming a wealthy woman.
After the last economic cycle ended (social stratification solidified), this kind of thing would be much harder to repeat—because the circles are divided. Knowing you're a person with no money, I'll clearly see that 99.99% of the time, I'll only marry someone equally broke.
So what should be valued next? Actually, what should someone without money value? Work. I have a job; she has a job too. That means there's a life. Apart from that? There's also character, daily habits, and other factors. These matter. If we're both diligent and reliable, we can make life work. You have no money, I have no money—we can only value each other as people. People are each other's greatest asset.
