You have your point and everyone cannot be the same. To me, I believe in a marriage built on God's foundation and not mere physical perspectives. Many people enter into marriage with different intentions and that determine whether such marriage will last or not. The idea that no one knows tomorrow if a partner would change or not is caused by lack of trust and not with a positive mindset. I believe if a marriage has a solid and strong foundation from the start, there wouldn't be the idea of prenuptial agreements.
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I get your idea about not having a positive mindset. But then I dont think that’s even the point. For me, it is just more about being prepared for the worse that could happen. Some people started the relationship on a solid foundation and they still end up separating and loosing part of their wealth.