2. What "fail"? -- That is what is going on. People who thinks it makes no difference, default to the wife making all the practical purchases, and this is the secular result of the husband's being at work all the time earning and turning his paycheck over to her, and her spending it.
1. You started our post by calling Dave a “moron” then you proceeded to type a long post addressing him. That is a screed.
2. Your answer is completely unrelated to Dave Ramsey. He espouses that it makes a very big difference that both spouses work together on the budget, come to agreement on all purchase decisions, etc.
Perhaps you used this article as an opportunity to address a personal concern that you have, but by starting out calling Dave a “moron” you deflected from any general concern you may have about society.