My husband and I had a joint account throughout our marriage begining.
I think it contributed to our problems, because finance is a big issue for him. And I spent our money frivlously.
Now that we've been separated for a year, we've had separate checking. I've become much more responsible financially and he's asked me to help him set up a budget! And he and I are both happier this way.
I'm not trying to argue with you, but give you a different perspective.