Riches Matter Joint account should be strictly avoidable when couples have heaven and hell difference socially and psychologically in terms of finances. People from different background come with different approaches towards money. One might be a spendthrift and lives large, while the other believes in tight spending. So, separate accounts can at least ensure no fights over money. Though this will not eliminate fights but it can keep a check on its intensity. But reality has a different story cooking up. It's all about trusting. This vague concept breathes in reality when couple parts and money bags the top most position in most precious possessions.