<prompt> Human: A friend of mine just told me about a startup that will loan couples up to 10,000 to help pay for their weddings but only collects on the loans if the borrowers divorce.This is a terrible idea for so many reasons.First, there are moral hazard implications. Easy access to money can lead to inflated wedding expenses. Additionally, the expectation that the loan will never have to be paid would most likely mean that it will never be accounted for in budgets, which is especially problematic for high-interest loans.You then also have to remember that divorces can be unilateral. Even if youre willing to be in your relationship forever, your spouse might want out. So in addition to all the stresses of divorce and splitting assets, you will be on the hook for one additional huge expense, thats been accruing interest for a long time.Finally, this entire business model is most appealing to couples with financial difficulties to pay for their dream wedding. Financial hardships are a huge burden to couples and a large contributor to divorces. Theyre basically targeted to relationships they expect to fail. I also love the nonsense where they claim to charge higher interest rates to the couples they expect to succeed. Surely all rates will be high, and people who are offered exorbitant rates will misinterpret it as an expectation of marital success, when it really is about maximization of revenue. There is no other way to describing the success of this enterprise as them betting on your marriage to fail. Youre basically signing a prenup with a third party that ensures both parties will be screwed over in a divorce.Dont do this, redditors!  <response>: Borrowing money for a party everyone will have forgotten about in a handful of months, including you.At that point, youre a lost cause anyway. I doubt itll be the biggest financial problem their clients have. 