I am amazed at the readiness of people to advise on other people's relationships.
In my experience, looking after your own relationship is difficult enough!
For the record, we (myself and Mrs Boldonlad) operate a four bank account system:
1. Mrs Boldonlad, to spend or not as she wishes
2. Mine, to send or not, as I wish, but, mostly, spent on Mrs Boldonlad (well, that is what I tell her)
3. Bills Account, to which we contribute to in proportion to our individual Income, and, as its name suggests, pays all bills etc
4. Holiday Account, to which we contribute equally, and, which pays for "holidays".
We would usually discuss any major (say more than £100) expenditure, but, would not prevent the other partner from indulging whatever whim, they had.
It has worked for 30+ years