You may be right. Not sure what your jurisdiction is (here in FL, my wife ALREADY owns half my assets, and me half her debts, and vice-versa), and you're right -- my dynamic was a bit different. In my case, we ALREADY had the joint account, and I was REMOVING my willingness to pay things out of it (like her cc bill, for her tummy tuck, and her cell phone).
If you can accomplish continued detailed financial transparency another way, and stop paying for her frivilous spending at the same time, I am open to that.
