Y'all are missing the big picture.
This is southeastern Michigan. Home of the Sucking Chest Wound. Palace of Pukes. Locale of Lunatics. Crib of Criminals.
Need I say more?
Well, I will, just because.

I believe that, within the sanctity of Holy Marriage, there is an element of privacy that can and should be respected by each partner toward the other. This is based on trust and confidence in the other. For that reason, I leave my wallet out just anywhere (that's a problem, but under a different thread, m-kay?); my email at home is wide open (no passwords, etc.,) and while I do the finances, we talk about major expenditures, i.e., exceeding $200.
I can be certain that she doesn't rifle through my wallet and go through my email - and even if she does, I'm not worried about it because there's nothing of substance there.
That said, we have our joint checking account. And joint savings account. I also have my own checking account, and so does she. (Gig and music teaching money is our own.)
Now I've also been victim to a wife (not this one) who had a wandering eye. It took me about 2 nanoseconds to dump her after I got wind of it, and
she paid the price ever since.
Trust is a very delicate condition that can be destroyed in a heartbeat. But when it's there and it's reciprocal, it's a wonderful thing.