What does it take for you to commit and stay loyal?

For me loyalty and commitment comes naturally as soon as I fall in love (or even as soon as I start developing feelings). But I am noticing a pattern in this current dating world - a lot people seem to be terrified of committing and are even struggling to stay loyal. I’m sure they have their reasons, it could be trust issues, fear of getting hurt, not wanting to settle, etc. So my question is, what does it take for you to commit and be loyal?

(Would love to hear especially from people who have cheated in the past)

What does it take for you to commit and stay loyal?
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