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Someone having their own bank accounts won't solve this issue if that bank account isn't linked to the one household income goes into and bills are paid from.

I have no idea what you are talking about.
I think I just said that each person would fund the joint account from their personal accounts. That means there has to be a link between the accounts in some form, doesn't it?

I can transfer money from my personal account into the joint account.
But I can't transfer AngelSpouse's money from his personal account into the joint account. He does that.

We each contribute to the joint account - and bills are paid from the joint account.

I assure you that my accounts are not populated with "fun" money.

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