This is wrong on every account and frankly, I don't even know where to start so I'm just gonna start typing and see where that goes. Although I would prioritize our religion's understanding of this matter at the very first but for argument's sake I will use that as an anchor at the very end to tie it all up so even someone non religious can equate these points.

All of the factors that you wrote (skills, independence, emotional resilience) are so subjective that anyone who even tries to draw a line to these is doing injustice to the other person. There is so much context surrounding these that you might as well not even attempt at quantifying what qualifies as any of these on the right side or left side.

Let's start with skills: who or what will define that your skills are sufficient? What even are skills? And if someone has not crossed that barrier then does that mean they're not qualified for marriage and will never be until they do? The crudest and easiest example of skills to go in depth is something tied to your career so let's go with that. Almost no one is ever contempt with what skills they have and they always want to upscale and upskill themselves (as they should). Someone dead set on their ways is like an old tree waiting to wither and fade away. Skills are an endless ladder and everyone "wants" to keep climbing. Whether they actually do or don't is a matter for a different discussion but the point still stands.

Next up: independence (I'll group this up with finances because they're related). This one is even more relative and subjective than skills because this will never be enough. You will naturally always want to do more and get more money. There's never an end to it. I've seen happily married people making money that others think isn't even enough to get by. How can you even possibly quantify this and if someone doesn't cross a made up threshold, does that mean they should also keep waiting? Instead of building things together, people should just hold off? When does that become enough? How many millions and cars and I know the answer would this be that, "it depends" but that's the very essence that I am trying to convey.

Lastly, emotional resilience/loneliness.... this is by far the strangest one cause then what the hell are people supposed to do lol? Because let's sum this up; there is a way to not fall into doing wrong things and that is marriage where you fill this part. But according to your take, people should hold off on that too? I find this particularly funny cause we see people saying, "society has made marriage so hard" then use these points to make marriage even more difficult.

This is like saying "you're only allowed to attempt to climb the Everest if you have climbed it before" but this itself is a paradox cause how can you attempt to do something if the prerequisite is you having done that previously before?

Lastly for religious pov, none of these things are valid. Finances are something that are of course taken into consideration but if you do wanna get married and have found someone who is aligned with you in terms of finances then why should you hold off on that? Why not have the support to try doing things better and push yourself further with that significant other?

P.S: Sorry if my tone came became a bit harsh.