Shamsia, while some families might be reluctant to do rukhsati because of the reason you mentioned, most of the people, both from bride's and the groom's side, prefer to make a nikkah-only arrangement because a consummated marriage makes things much more difficult for the couple if they are living apart, i.e., their wait is much more excruciating; in the absence of head of the family the new bride who barely knows the new family might not be able to handle sensitive matters well, it is an unnatural way to start a life and the time to be enjoyed in honeymoon year is lost never to come back, and if she conceives, the couple has to bear with another painful period of separation. Furthermore, if the nikkah-only arrangement is not acceptable for the CIC, they won't have the provision for the same in the forms they want us to fill, i.e., the question have you had a reception or not. In addition to this, considering our society, even a broken engagement is a big stigma for a girl, then i fail to understand why would a girl's parents agree to give their daughter in nikkah of someone they don't trust?