As ever (and I know it's a very old and wrinkly chestnut) if nobody posted anything in reply to OPs than what they could 'afford to', then there would not be an issue.
I have only ever said LTB in jest (OP: 'DH has a preference for yellow ties. WWYD?' Me 'LTB
' - you know the kind of thing), but I have said 'I cannot see how this relationship has a future'.
It's just worthwhile bearing in mind that when we say 'see a solicitor, photocopy all the bank statements, get the kids' passports, whatever…' the OP might reply 'Ok, thanks for the advice' but not.
I totally agree that those who DO LTB, do it because they were ready to take that scary step - at best a thread here can be a gentle prod in the right direction and of course a hand to hold. At worst, there's the danger of scaring people off or making them feel more of a 'failure' because they are not yet able to leave.