My wife and I set up joint accounts after we got engaged, while we were preparing to pay for a house, wedding, etc.
Only things that are separate is TFSA, RRSP (for tax reasons) and my wife has an extra credit card (and I will likely get one of my own too when I get around to it) so we have a Mastercard for places that don't take Visa (e.g. Costco) or if we ever have to cancel a card while travelling.
I couldn't imagine it any other way, and it makes it so much easier to manage our finances as everything is open. I am not one for extravagant purchases anyway (got that out of my system when I was younger) so not having a "fun" account is not a barrier.
I have seen one time though when separate accounts has helped, and that is with my grandparents. My grandfather passed away recently, and his account was frozen once bank notified, until will is executed (so they would then know where to release the funds), but my Nanna has her own account (with more in it as they used to spend more out of the other account) so she never had a problem handling any expenses.
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