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Technically, I'll say because they lack the fear of God and discipline. I don't believe there's anything else. If there should be anything, such that its life threatening then cheating is not the best but divorce.
Let me take the married as a case study. Before you married him/her, what came into your mind? Wasn't she the most pretty? Best cook, good character, caring, loving, best companion, name it. You saw all these before you took her to the alter. Now you're cheating on him/her as the case may be. Invariably, you don't respect the Church (House of God) and alter you stood, the hands that has been laid and blessed you both. You don't respect the vows you made, the people that left their businesses to honour, witness and grace your celebration.
What ever the reason should be, if there's fear of God in you, there won't be any need to cheat. Instead sort it out together with a trusted and God fearing third party.
For the singles, its like a society norm, but I want to ask, "to what end??"
If you don't like him or her anymore, make it known. To me if you can't address issues with your partner, you're a coward, its immaturity.
If you can't address issues with your partner now you're in a relationship, are you gonna do it when you're married??
Why not leave the river now the water its at your footstool before it covers your head.
Finally, another thing that can keep you still while sorting things out with your partner is DISCIPLINE. If you've chosen not to cheat, stick to it with all alacrity backed up with prayers because temptation must surly come.
But if you've decided to cheat, I want to ask "Why cheat on someone you don't wanna lose with someone you don't wanna keep??
Cheating is fun but the end is worst than fun. Weigh the advantages and disadvantages.
The choice is yours.