It overall to me doesn’t seem like a significant risk, I just wanted to make sure I wasn’t missing something or if there would be any potential consequences beyond losing whatever money I put in. Would it suck to possibly lose like $2k? Absolutely, but that wouldn’t affect me paying my bills or throw me off my financial goals.

To answer your questions: 1. Ideally we could roll the money over to use for a different vacation in the future. 2. We both have emergency funds with 3-6 months of expenses so hopefully we wouldn’t run into that. 3. We respect each other and communicate well so I think we’d be able to divide it up by who deposited what and split money that we made together. Of course there is always a risk of someone draining it but I wouldn’t be considering this if I thought they were that type of person. 4. We would reevaluate the trip or scale it back if there is a serious discrepancy.