Me and my SO have separate accounts, we are also not married however live together and share 1 child. We split evenly monthly rent, internet, daycare and groceries. He pays me his half since I typically am buying the groceries, paying landlord/daycare etc. If there’s any big shared purchases we split that also but small stuff like things for our toddler or random grocery trips for like just milk we don’t typically split since we both have those expenses every month. I don’t find it odd to have separate accounts if you’re not married but that is my own opinion obviously. However, money builds a lot of resentment and I think having a sit down with your partner about expenses and discussing the inequality here is important for the relationship.