We were married 6 years ago, she was with RBC and I was with Scotia. We never bothered to merge everything, arguing over which bank was better. I make more than she does, but we essentially just split things based on earnings and carrying capacity. I have been paying for her cars in my name, and she paid for my car in her name, simply based on who had the carrying capacity for the cost at the time. I pay the mortgage, she covers the utilities ect. It has been largely irrelevant to us and not a source of friction. TLDR, we were lazy and never merged our stuff, but it's been fine.
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