The Gemara cites a Machlokes Tana'im regarding whether the Kesuvah is
d'Oraisa or d'Rabanan. Raban Shimon ben Gamliel says that it is d'Oraisa. Rav
Nachman in the name of Shmuel rules that when the husband claims "Pesach
Pasu'ach Matzasi," he is believed to make her lose her Kesuvah, because
Kesuvah is only d'Rabanan. What is the Halachah regarding the status of the
Kesuvah, and is the husband believed to make his wife lose it?
(a) RABEINU TAM (cited by Tosfos) rules like Raban Shimon ben Gamliel, who
says that the Kesuvah is d'Oraisa. He follows the general rule that whenever
Raban Shimon ben Gamliel is mentioned in a Mishnah, the Halachah follows his
view.
Rabeinu Tam further proves that this is the Halachah from the wording of the
Kesuvah, in which it was customary to write, "I obligate myself to give you
two hundred Zuz, to which you are entitled *by the Torah*." Therefore, he
rules that the husband is *not* believed to cause her to lose her Kesuvah
with his claim of "Pesach Pasu'ach Matzasi."
(b) The ROSH (1:19) does not rule like Raban Shimon ben Gamliel, but rather
he rules that the Kesuvah is d'Rabanan, since that is the view of Rav
Nachman. Regarding the custom to write in the Kesuvah that she is entitled to
the money "Min ha'Torah," the Rosh cites Rishonim who write that this phrase
is intended merely to denote that the type of money that he obligates himself
to pay for the Kesuvah is the type of money that the Torah discusses. This is
called "Kesef Tzuri," a currency in which the Dinar was worth eight times
more than the local currency commonly in use at the time, which was known as
"Kesef Medinah." The Kesuvah must be paid with the larger sum.
Similarly, the Ritva writes in the name RABEINU PINCHAS (brother of the
RE'AH), that although the Kesuvah is normally paid in Kesef Medinah, if one
writes the words "to which you are entitled by the Torah" in the Kesuvah then
one must pay with Kesef Tzuri.
(c) RABEINU CHANANEL (cited by the Rosh) and the GE'ONIM rule like Rav
Nachman, that the Kesuvah is d'Rabanan and is paid with Kesef Medinah. The
HAGAHOS MAIMONIYOS (Hilchos Ishus 10:6) writes in the name of the MAHARAM
(see also RITVA) that because the Kesuvah is d'Rabanan, one should *not*
write in the Kesuvah "to which you are entitled *by the Torah*," and writing
so could even invalidate the Kesuvah since the Kesuvah is not d'Oraisa.
The RAMBAM (Hilchos Ishus 10:7, 11:14) also rules that the Kesuvah is
d'Rabanan, seemingly following the opinion of the Ge'onim. However, when the
Rambam lists the Mitzvos d'Oraisa that pertain to marriage and Ishus in the
beginning of Hilchos Ishus, he writes that it is a Mitzvah "to marry a woman
with a Kesuvah and Kidushin," and he also writes that "one may not have
relations without a Kesuvah and Kidushin!" He repeats this in Sefer
ha'Mitzvos (Lo Ta'aseh #355), where he writes that there is an Isur against
having relations with a woman without a Kesuvah and Kidushin. The RAMBAN
there asks that a Kesuvah is d'Rabanan altogether (as the Rambam himself
rules), so how can there be an Isur d'Oraisa to have relations without a
Kesuvah?
This question is compounded by the fact that even according to those who say
that the Kesuvah is d'Oraisa, it certainly is not part of the Kidushin. The
Kesuvah is a monetary obligation; not having a Kesuvah cannot create an Isur
Be'ilah! (The Isur Be'ilah without a Kesuvah is certainly only an Isur
d'Rabanan, Kesuvos 54b.)
The answer seems to be that the Rambam uses the term "Kesuvah" as a sign of
the *type of relationship* between man and wife. "Kesuvah" represents a
permanent, committed relationship, as opposed to a transient relationship of
Z'nus (since the expense of divorce makes a person think twice before sending
away his wife). When a Kesuvah is written, it shows that the man and woman
are living together as husband and wife, with a relationship of Ishus, and
not Z'nus.
When the Rambam writes that there is an Isur to have relations without a
Kesuvah and without Kidushin, he means that the Isur (the Lo Ta'aseh) applies
only when there is no Kidushin *and* the act is being performed in the manner
of Z'nus (that is, as a temporary, transient relationship). When a person
lives with a woman in the manner of Ishus (that is, "with a Kesuvah," in the
Rambam words) but without Kidushin, then one only transgresses the Mitzvas
Aseh (of "Ki Yikach Ish Isha...") and not the Lav. This Isur Aseh is the
source for the Isur of living with a Pilegesh according to the Rambam, as we
mentioned earlier (Insights to 8:2:b; see Rambam in Hilchos Ishus 1:4 -- the
Girsa of the Rambam in Sanhedrin 21a seems to have been that a Pilegesh is
betrothed *without* Kidushin, but *with* a Kesuvah, see Ramban, Bereishis
25:6).
When the Rambam writes that the Mitzvas Aseh is to marry a woman with a
Kesuvah and Kidushin, he means that one does not transgress the Mitzvas Aseh
by having Be'ilas *Z'nus* without Kidushin (he does transgress the Lo
Ta'aseh, though). The Mitzvas Aseh is to "marry" a woman, meaning to initiate
the permanent relationship of husband and wife, through Kidushin (and not
otherwise). (M. Kornfeld; see the similar explanation of ha'Gaon Rav Aharon
Kotler on this matter, in the Sefer Zikaron printed in his memory.)