Hi Ryan! As always, I appreciate your thoughtful response :) I do think for many people, marriage does seem to be a contractual agreement. And for many people, that probably makes sense. People who get married in the first place bc of their hormones and rainbows and butterflies are going to be in for a rude awakening.
But I do think marriage is understood differently by people who value the religious or spiritual significance of it (myself included). I personally see marriage as a lot more than a love-bound business contract. If that's all it is to a person (completely free from any spiritual/religious or higher-meaning), then sure, a prenup sounds logical.
Your comparison to an "insurance policy" got me thinking because I would never advocate against insurance. I guess the difference is that health issues (or worst case, death) are inevitable parts of the human experience. Divorce is not inevitable, it is an active choice. So while it is good to have insurance for things like your health (and property, your car, etc.), insurance on your relationship sounds like it will inevitably end, too. I guess that is how it is for most people these days, unfortunately. :(
Anyway, thanks for sharing your thoughts, I always enjoy your well-thought out perspectives.