I presonally think it would be best to have just one account for the two people to share. Especially in the case that sapiens mentioned - I mean, they're married, there is no reason that the husband can't lend his wife some money to help pay for things that are a part of both their lives.
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"The world is so exquisite with so much love and moral depth, that there is no reason to deceive ourselves with pretty stories for which there’s little good evidence. Far better it seems to me, in our vulnerability, is to look death in the eye and to be grateful every day for the brief but magnificent opportunity that life provides"
-Carl Sagan
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