There's no flaw in his argument. He's just a guy who's evaluated how marriage works and made the ultimate conclusion that he won't do it due to divorce laws. I think that's ultimately the path where putting too much weight on worst possible outcome will lead anyone and I don't see how following his logic won't lead you to that path down the line as it's sound.
And how is someone making 45k a "loser"
? Do you judge the content of someone's character based solely on what they make?
Let's talk about the woman I described in this hypothetical. She goes to work, makes her 45k, cooks for you, keeps your house clean, and follows your financial plan to the point where y'all can use that 45k to create an extra safety net to maintain your modest life...
This describes a loser to you? You're outta your mind lol. Someone who goes and works and then comes home and works a second job keeping up house is a very hardworking and driven individual.