All these things that I have done

What I meant about the different situation in a break-up is that because nothing is there by default, it encourages you to make arrangements yourself when things like house purchases are arranged rather than just assuming that everything will work out. If you still don't do this, then you may be in a bit of a hole of course and I expect there are many people who don't really think about it - after all, no-one assumes that their relationship is going to go wrong.