IMHO seperating accounts is the only way to function. Addicts all are poor money managers, they are impulsive, childish and have a sense of entitlement. I have seen too many end up penneyless because they comingled their funds. All the text book ideas on how a marriage should work are tossed out the window when one is married to an addict.
Get those bounderies in place, however, remember do not set a boundry that you are really not going to enforce, that becomes an idle threat and only weakens your position. Say what you mean and mean what you say.
My best...Dolly