In Chicago? "Yes, both of you will have to pay separate rents, and furnish your respective apartments. Mwahaha. Forget about paying for a nice wedding!" I wonder if they demand proof (like gas bills in both your names)? I'd imagine most people just lie ("I moved in with my friend... yeah"): if you told the priest at confession, what could he do?

I'll bet they also have one of those months-long pre-marriage education courses that couples need to take....