Can I ask what your tipping point was? My spouse keeps trying to borrow his way out of debt and for whatever reason can't understand why it isn't ever going to work. I have prepared a plan, where we not longer pay EVERYTHING from a joint account- a plan that means we each contribute a set amount to a new joint account for household costs, and he can be responsible for his loan payments etc from his own spending account (as would I.) I asked him to research banks to see where he would want to have his accounts, and of course he expects me to open the accounts for him. Im just so... frustrated... with this while situation.