On the bank account thing, it really is a matter of reality. My wife is REALLY bad with money, and the last 10 fights we've had about "talk to me about purchases over 100" seem to be forgotten when she sees something she wants.
I'm sure a lot of people can work with a single joint account, but honestly, it really didn;t work out for me!
Oh and Dominion, I envy you! I can't get mine do do ANYTHING around the house! Little spoilt during her upbringing you see!
Spoiled is a very kind word to use. I'd use a more colorful term myself. Alas, some people are blessed with an incredible gift of patience.... You must be one of them.