Want to pose a question

I am retired (poor) and wife is 63 and does rural r/e agent stuff. It is not selling homes in the city, but rural property. This can have LONG dry spells. We have a small saving acct that pays bills and my check that will not cover all month's bills, as we wait for a R/E payday! We have a couple of checking accounts. My SS goes into mine as I call it, but $ there are available for whatever needs paying. The other checking is joint too. I am used to paying all bills, but she does it now. She is never late to pay anything so all is good. We never have a cross word, around each other 24/7, and very time we go to town, she asks if I need to go by the parts store!
When we shop for groceries, I just let her have her list and do it while I tag along. If I had the list we would starve!! And for example: There would be no dish washer soap as I would hand wash them!!! I was raised by older parent that came thru the Great Depression and 2 wars. In my life, I have seen tough times. I feel I am better for it.
So basically, I don't think it matters if joint or separate accts. It just boils down to how 2 people can handle bills/$$$ and how they interact with each other.