> financial health

financial health is not a goal, but a means to an end.

Getting good financial health is a means to having kids (ie, you will give your kids the best advantage they could if you're more financially capable).

One can have kids without a marriage.

To be fair to the OP, they didn't mention (having or not having) kids at all.

Even financially. If they help you at all when you’re old, it’s worth the investment. The cost of in home care, independent living, etc is insane

At least in the west, many of us don’t want to be a burden to our kids like that.

I get what you mean. I’m American. Grandparents have extended their independence in their home by 20 years, on land an hour outside of city, because their kids go over every 1-2 weeks to count out their meds, meal prep, and help out with a few other household things. They have done a few periods of livein care while they recovered from surgeries or falls. They’re in their mid90s and it’s getting pretty hard now because there’s some dementia and other issues setting in. They’d have much more help if my stubborn grandfather moved to the city near other family members (we could casually drop off groceries while we’re doing our own errands, etc).

Every case is different, but I don’t think you have to be under one roof to significantly help some people keep their independence and avoid spending money on caregivers that are very expensive especially