I'm a proponent of having both a joint bank account and separate accounts. It works for those of us who are proponents of it.
It is based on percentage of income. The joint bank account is where the largest % of income goes and it is for family/couple expenses. The separate accounts are for personal expenses.
You wanna go on a golf trip with your buddies? Have fun.
Separate bank account.
You wanna go on a shopping spree? Have fun.
Separate bank account.