Actually, the US currently has 37% as many divorces as marriages per year, and that ratio been going down for the past 40 years.

https://www.cdc.gov/nchs/fastats/marriage-divorce.htm

Even that stat is a bit misleading, since first marriages have been almost twice a likely to last as subsequent marriages.

And even that is still misleading about marriage odds. Low income, teen or near teen women have a much higher rate of divorce than the rest of the population.

Why would divorce bury you in debt, take your house, and ruin your credit? You pay child support if you are married too, it just is called "parenthood" rather than child support. If you are paying alimony indefinitely, it indicates that you didn't damage your career when getting married, so the concerns about being buried in debt seem odd. And again, you pay alimony if you are married too. It is just called "supporting my stay-at-home spouse".

And divorce is not some random outcome with a fixed distribution. It is a specific outcome that involves you and another person. You can make decisions that control your future. You aren't flipping a coin.

I'm not sure about the U.S, but in some countries, like mine, some of the legal disadvantages of marriage start automatically after cohabiting for a period of time.