Hmmm, I guess with respect to the new joint account and the associated risk... The joint fund could exist on paper only, meaning there isn't any plastic associated with it. All other rules of contribution, usage, eligibility and documentation for shared expenses would still apply. Then monthly, the joint fund would reimburse each personal account only for legitimate shared expenses.
i.e. your personal CC gets reimbursed on a line by line basis only for eligible shared expenses that have full documentation.
Same net effect, no risk. And you get to see all the other personal expense detail on the CC too for no extra charge.
