It does just for logistics. If we have $1000 in our joint account and we both spend $600 without talking to the other, it’s going to overdraft.

On the other hand, if we both have our “own” account even if they are really joint accounts, that’s not a problem.

My wife doesn’t work now. I put money into “her” account every pay period based on what we agreed on - and to make her whole once I “retired” her.

She has access to credit cards and our joint savings account if something comes up. She isn’t really a big spender and neither am I.