We started out with joint accounts and after several years of trying to make that work I went with separate accounts. That was only somewhat successful because my boundaries were not strong enough to keep the money separate. I was always giving him money for gas for instance because he had none left, or we'd try yet another family budget so I'd catch up delinquent payments. Things like that.
Where I live everything is 50/50 so it doesn't really matter whose name is on the debt or even if the other person knew about it so the separate accounts helped in some ways but I still did not feel secure.
I don't know that I could ever get a joint account again - or even get married again for that matter. Financial security is so important to me.