Most people are absolutely settling, and the divorce rates are explainable through the mindset of the average American person. Which is ultimate financially flexibility by any means.
Take something like this.
This man is as rich as they come. Is dating a model right now. They get married, they'll probably get divorced.
Is this someone she wants to be with? Who knows. Looking at them, and the mindset of a lot of women, she might want someone who's more attractive, or someone who is more sexually appealing to her. BUT his money will make her stay. And she'll settle for the money.
She'll say "

He's not as good looking as I would like, Im not attracted to him, but he's rich and I'll be safe and we'll have kids"
And that's pretty much it. That's how it works today.