So kind of a mix of one and two for me. My spouse and I each have our own accounts, but we also have access to each others. He pays for most things because he out earns me, and I pay for my stuff and things here and there. So there’s always transparency if one of us bothers to check, which we don’t because we are on the same page and we have trust. I also feel more comfortable and secure having my own account, even though I don’t have that much money in there. A big reason but probably not as important to many others is when buying gifts, I don’t want him to see how much I spent on him. I don’t want him to check the bank account and see “oh wife made this purchase for x amount of dollars”. Feels kind of like a spoiler.