If trust is equated with stupidity, then so be it.
To trust that the partner will not deliberately betray you
during an ongoing relationship is necessary trust for a relationship.
To trust that a breakup will never ever happen and therefore have no financial arrangements for this case (even if only implicit, like inclusion in the land register) is naive = "stupid". (this is an exaggerated choice of words)
However, I meant a completely different kind of stupidity. What turns out to be grossly disadvantageous for one partner in the event of a breakup does not have to have been planned that way by the partner who benefits then. It is often simply thoughtlessness. Things are not thought through to the end, connections are not seen, you are going to be together forever anyway, so why think through unpleasant things? That is = "stupid"
HelpHelp was right with "rose-colored glasses". That’s what I actually meant.
Leading a relationship and/or marriage without planning one's own finances to the extent that one is not the fool in case of a breakup is simply never smart. Whether one’s own finances run through a joint account does not matter for that.
Both can end up in the fool’s role, but statistically it is still more often women. And no matter how balanced a settlement is, in an unpleasant breakup everyone
feels somehow disadvantaged anyway. A reasonable, decent separation is unfortunately rare. In my wider circle of acquaintances, I know exactly one single case that was like that, out of a felt dozen divorces.