I find my money is our money, and her money is her money like Gingerchris kid of said lol.....only kidding
Now a days with online banking, I dont see why anyone would only want one joint account. unless you only have one source of income. Its easy enough to transfer money around that it would almost be more work for us to start a whole new account. ( plus we both uses different banks. ) as long as all the bills are paid and we put or weekly amount into our savings. we each manage our own money.