As far as His/Her checking accounts are concerned, most of the accounts Hubby and I have are joint accounts, but when I was left a bit of money when my Mama died, he encouraged me to open my own accounts, in my own name. His thought was that, if he died suddenly, and I had no credit already in my own name, it could me more difficult for me to get it. Of course, that was before banks and organizations started sending credit card applications in the mail every other day!
But I see no problem having separate checking accounts, or even credit cards, as long as it isn't done to hide a money problem, or some other issue, on the part of either spouse. But I think it's crucial for both husband and wife to learn to handle the finances, in the event one dies unexpectedly.
Try Dave Ramsey on that one. You'll get an interesting response.
I forgot about the Plastecomy.