> You can get away with so much more today.

Depends if you have something to lose. I suspect a lot of readers here are in the middle ground, where their net present value (including career/family/political/etc opportunities) is not high enough where they can afford to shield themselves without big sacrifices. But it is also not low enough to worth risking losing it all.

For example, they might be able to afford a house in a nice school district, daycare, saving for retirement, paying for healthcare, and taking care of elderly parents, but a job loss from one spouse could easily derail this train, and certainly legal expenses would.