The reasons for a person being scared of marriage, or hesitant to get married are specific to that person. It could have to do with their upbringing, parents, parents' marriage, or their personal beliefs. They can vary from person to person. However, there are a few general reasons that might present in the individuals.
1. Lack of Maturity
Sometimes a person enjoys choosing to do whatever they want. They place more emphasis on the pleasures of short-term relationships. It could be they enjoy the "thrill of the chase." It could be they've been taught by pop culture that being with one person is "boring." It could be they aren't yet ready to make the sacrifices and compromises necessary to make a long-term relationship work.
This isn't true for all people, as some who are opposed to marriage are still able to have successful and meaningful long-term romantic relationships without being legally married. However, a well-adjusted adult understands they won't always get their way, and that's ok.
2. Fear of Commitment
This could also have to do with the previous point. Sometimes a person has a preconceived notion of what a thing will look like, and their perception of it scares them. They don't want to give up their freedom, but they don't realize that there's lots of freedom in marriage, it's just channeled to the spouse instead of strangers.
3. They're opposed to the institution of marriage
Some believe that marriage is not relevant in today's society. They say that marriage had more meaning and purpose when people didn't live long because they didn't have time to grow apart. Or that women needed marriage so that a man could protect them, but in the 21st century women don't need men for anything including marriage.
4. Their parents had an abusive relationship
For children of abusive parents, marriage can look differently than to those whose parents treated each other with respect. Children might have a more negative view of marriage if they grew up in a household where their parents physically assaulted or emotionally manipulated each other. This can leave a negative impression on a person so they grow up thinking that marriage isn't productive, useful, or beneficial.
Whatever the reason for a person's apprehension to marriage, it should be discussed with one's partner if the relationship is to continue. It's important to be open and honest in healthy romantic relationships. Maybe the issue is something that can be addressed and the reluctant party's view can be changed. Otherwise, it might be a wakeup call that the couple isn't meant to be. Regardless, the couple should work through it together.
tl;dr Immaturity and loss of freedom are likely the two biggest reasons. Threat of violence, lack of attraction, and fear of commitment are other potential reasons. If the couple is planning to stay together, they should discuss it.
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Because marriage has serious legal implications. Legally, marriage is somewhat like forming a kind of corporation with another person. Its financial consequences are very significant. If you marry someone, you will also most likely have children and raise them together with them. Huge decision.
Because you are being locked into alifelong contract and if you decide to leave the agreement you stand to loose at least half of your possesions and can have to pay large amounts of money in the form of child support or alomony.