Like any other chiyuv mamon, a kesuva can be nimchal; kolel is not negating a ksuvah, it’s merely a choice that some people (valiantly) make. As for the ideal of a woman being at home, it’s just that – an ideal situation, but not always feasible. Especially nlwas6, as AAQ wrote – the pitfalls of batalah mayviah lidei znus/shigaon are worse than the chisaron of being “out” a lot.
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