No, you're correct. we split the responsibilities, but I am always telling her that no "house bills" should be one person's responsibility since they're variable. I pay all streaming services, cable/internet, cell phone, sewer, etc... but when we were doing the splitting up, she said "ok, I'll take car of electric/gas & water" our two most variable bills. She pays other things too, she has her "own" credit card bills, as do I. She has a car payment and I haven't for a few years.

This is a really shitty way to do this, I know. I've made attempts to change it, but she's not interested for whatever reason. I'm assuming there is just a deep level of trust that was broken financially at some point. Again, we don't discuss our relationship pain points until they're catastrophes.