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since I'm such a beyond-pessimistic type person.
It sounds like a good idea with several caveats.
1. Forget pensions/social security - they're going to be gone in a few years time. United Airlines is working on getting out of their pension guarantees, and if they do, more companies will follow suit. Bush* and friends will gut social security to cut deficits, and try to prevent US bankruptcy - keeping foreign countries buying our debt.
2. One would have to be very certain (as in all marriages, I guess) as to the compatability and conscience of the marriage partner. Once married, divorce becomes a viable option, and a good person could get badly screwed by a paper-spouse just as badly as by a 'real' spouse. (and not even have got the benefits of conjugal relations.)
3. Could kind of mess things up if you had a paper marriage, and then met the love of your life.
Apart from that, I don't see any arguments against this idea. Heck, I'm sure it already plays a role in some seniors getting married.
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