hi akrasia-
i don't think the bank will let you remove your name from the bank if it is in the red, but they will let you close it. you don't need both to agree to close a joint account, i think, as i recall someone here at SR doing it.
maybe a quick review of the finances and a few moves to protect yourself are in order. consider things like car insurance, bank accounts, credit cards, etc.
thanks for the update,
naive