> joint accounts have proven to be a failed model at scale What does this even mean, how do you "at scale" something between two people? My wife and I have a

> joint accounts have proven to be a failed model at scale What does this even mean, how do you "at scale" something between two people? My wife and I have a joint account, all money goes in, things for the family come out of it, we get allowances out for our personal things. If one of us spends the money on our personal things without consulting the other, then that person values X over the family, QED. I think you might be implying that "family values have failed at scale" but that's a different, cultural thing, that is probably tied to a lot of different factors especially media. It's not that family values themselves are bad.