That’s fair. I should look into it a bit, I am the primary cardholder on the cc we use the most, should maybe switch things up a bit if something like that is important.
I think I like the simplicity of depositing and drawing from one common pool, and if one of us kicks the bucket, the other isn’t dealing with a headache of gaining access or having to close down accounts and things.
I guess one benefit to keeping things separate is that if someone comes down with a terminal illness and decides to max out their credit cards and drive off a cliff in a Lamborghini, it might insulate the spouse a bit.
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