Great points ans that process is seen every day.Recently married here. I've got an agreement with my wife that we'll discuss any purchase (by either of us) before making it. We've been single for years and are used to running our own show. Joint bank account is taking some getting used to and we don't want to wind up with a nastygram for mismanaging the account. Neither of us have ever said no about any purchase, but the act of talking about it tends to curb careless spending somewhat.
Also, it's a great "out" for dealing with high pressure salesmen (e.g. buttholes) which there are a lot of in dive shops these days. "Looks great, but I've got to discuss it with my wife first."
@MaxBottomtime know where I can buy one of those?
MYy wife and I have separate banking some what. we bot have joint accounts at the bank. She functions with one account and I the other. No bounced checks ever happen because of the other. We do have sole and separate savings accounts. BUT wehave each others passwords to move cash. her savings has insurance and trax money in it and mine is for other things like car insurance and the like. Our banking arrangement is such that the accounts are tools and not testiments of trust or mistrust.