Well, are you posting together to Hacker News, or is it your personal hobby that you don't feel bad pursuing instead of doing another load of laundry. Shouldn't it be "I" and "We", with balancing shifting from couple to couple and over time? Personally if I like game on Steam, I just buy it rather than asking my spouse. So joint account is also kind of like my account, so long as I am reasonable. But for people with limited resources or big dreams, things may be more complicated. I would want to know if my Steam purchase still leaves money for the water bill.