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Didn’t a certain husband and wife have to account to Peter for certain financial dealings? Yes, they did, and when they lied to Peter about it they were both struck dead.

No; they didn't!

Read it for yourself!

Acts 5
1 Now a man named Ananias, together with his wife Sapphira, also sold a piece of property. 2 With his wife’s full knowledge he kept back part of the money for himself, but brought the rest and put it at the apostles’ feet.
3 Then Peter said, “Ananias, how is it that Satan has so filled your heart that you have lied to the Holy Spirit and have kept for yourself some of the money you received for the land? 4 Didn’t it belong to you before it was sold? And after it was sold, wasn’t the money at your disposal? What made you think of doing such a thing? You have not lied just to human beings but to God.”

Yup, just as I said, in a financial matter where members were to give to the church, Peter held them accountable as Gods representative. You thinking that tithing settlement is between men only is the same kind of thinking that lead Ananias and Sapphira to think they could get away with what they tried.

It goes on...

8 And Peter answered unto her, Tell me whether ye sold the land for so much? And she said, Yea, for so much.

9 Then Peter said unto her, How is it that ye have agreed together to tempt the Spirit of the Lord? behold, the feet of them which have buried thy husband are at the door, and shall carry thee out.

Seems like a far harsher and far more permanent consequence than not being able to get a temple recommend until you repent. Far more intimidating to the other members too wouldn’t you say.