My friend is getting married but she torn between having a civil or church wedding?

Her fiance can afford civil only but she wants a church wedding and she can afford it but she feels bad about having to pull out her finances. She said, doing so will just let her feel that her husband is incapable. Should I suggest that they just go to courthouse or civil wedding so she wouldn't feel her husband's lacking since he will afford if it will be in the courthouse and a simple backyard party