Looks like I struck a nerve with the people who haven't found an SO they can trust.
Also it seems like the tech/engineers here (PFB, Thornton, parrot, myself) all have joint accounts. I think there is a correlation with efficient systems design.
Actually parrot is an accountant.
As is Bert and I work in Finance.
Either way the point is that no family dynamic is exactly alike. Some things work better for others for a variety of reasons, least of which has to do with "trusting your SO" .
Therefore brushing with such a broad stroke like you did and trying to connect dots that aren't there was, yeah, dumb. As accurately pointed out, having separate checking accounts actually requires more trust it can be easily argued. But that's neither here nor there.
Nobody said having a joint "everything" account was wrong. The point is there really isn't a wrong answer.
You like Chocolate, I like Vanilla.