Let me add that at this time I don't have a job. I was laid off in 2008 from a very good paying management position - am looking again for similar with some good prospects. His paycheck is direct deposit and I manage all the money - but yes he does have access and spends the money.
I did recently re-establish my personal checking account and got a debit card. I also transferred title and registered one of the cars (the one I actually financed myself) in my name only. It's safe enough for us but does need some work. I am going to apply for a credit card in my own name next week.