Good points, Beth. My late husband and I had a system that worked: he wrote out the checks, I balanced the checkbook. So, we both knew what was going where at all times.
One bittersweet moment was when we were talking to an insurance counselor, and the counselor was discussing women who think, because they worked as secretaries 15 years ago, they could resume their careers in the event of a calamity. With some pride, my husband said, "That's not my wife." End result was that we didn't have enough life insurance, but I will always remember his confidence in my abilities, and he wasn't wrong about that.
I once had a colleague and friend who said she and her husband could never agree on what soap or toothpaste to buy, yet I knew they had separate bank accounts. Her money was hers, his was his. Meanwhile, my husband and I pooled all cash resources, but we stuck to our own soap and toothpaste preferences; it's not as though you go through it faster if you buy Irish Spring _and_ Ivory!
So now I'm widowed, and she's divorced, but at least I can look back on 18 good years.
If anyone is reading this thread, and identifies with the women in the suffocating relationships described -- that is NOT how marriages are supposed to work, I don't care what he's told you. Seek help, now.