Fear of the unknown and because its not the norm people don’t feel the need to invest in as its not on the top list of priorities – and they don’t want to be perceived as a failure in the early stages and also their finances are tied up and they are focused on the excitement and some people feel that once they have found the one and even married – family – children – mortgage home- they feel that they don’t have to try any harder and become complacent and that’s when affairs start and other things.