Somebody is hung like an elephant.
Young me would be proud how much i know about tech and what in capable of. Young me would not understand I'm not and internationally wanted slick underground hacker with a few million dollars stashed away. Young me would see my company and not understand why I am not a millionaire yet, he did not have a concept of things taking time. He would also ask howiI. Haven't kicked the wife out after constant problems with sex for 10 years plus and taken all three kids. "You love her?! You weak piece of shit. The kids need a mother? Yeah maybe, but you haven't gotten any for over a year for the fourth time in a decade dude, you are a looser."
Try to see something from somebody else's viewpoint. Basic empathy.
I'm not interested in changing your mind, OP asked for insight, this delivers it.
I'm guessing you don't have kids and have not yet thought extensively about retirement.
Marriage is about responsibility sharing in a way that survives even the worst of breakups while keeping all parties responsible in a fair way.
I'm also suggesting you entertain a thought experiment where you swap genders in the relationship and also assume you have at least one child you love dearly and taking care of it takes about 100 times more time and effort than you currently think.
Now you might have an inkling why people get married.
Full disclosure: not married but have most if not all the responsibilities in writing with the mother of my children so she does not end up in poverty if we ever split after raising our kids with so much of her life love and health.
"Look what you made me do"
The bridge trilogy.
There was a time when people used cheques in Germany. I remember my father using them ages ago
Life advice from an old'ish dude: find a girl when you are broke. She will always love you, not the money. She will also love you in hardship and she won't care if you go for a walk or watch Netflix because it's cheaper. :)
Welcome to the world of self employed people all over the world.