This whole idea is insanely stupid, and will fail miserably if it even gets off the ground at all. The rates they'd have to charge for those that divorce would be extremely punitive. Even if you assume a 70% divorce rate, which is probably higher than any actual stat out there, that means you have to charge high enough interest rates (on top of what would be normal interest charges) to the couples that divorce to make back the extra 30%. Add to that the fact that you don't even know the loan term at the outset, because a divorce could happen at any time - a year in, or 30 years in. But when people get divorced, they are generally not in the best financial position that they've ever been in. That means that the default rate in the divorce cases will likely be higher than normal as well.