I've always been responsible for our money/ bills etc. Both salaries go into a joint account, bills are paid and we discuss what is to be done with anything left over. When I met DH he had loads of debts. I didn't clear them for him, he paid them off himself, but I did pretty much control his spending until they were gone. He was happy with that at the time and happy to have the debts cleared.
Since his credit cards were cut up (again he was happy/relived about that), he hasn't really been a big spender. Big items like holidays and cars will be joint decisions if/when we have the cash and we are lucky enough (now we're debt free) not to have to think too hard about buying a DVD/ meal out. DH has a debit card for the joint account, which he is free to use, but he does check with me, just to make sure funds are available.
I am by nature a saver. Over the years I have squirreled away a fair amount. From time to time I have mentioned to DH that we have an account here or there and told him the balance, but he generally has very little interest.
It occurs to me that (if I wanted to) I could clear out all our savings and he'd have no real idea of how much he'd lost. I'd hate to feel that vulnerable myself, but it doesn't seem to worry DH. It does worry me though that if something happened to me, DH wouldn't know where his money is. What do I need to do to make sure he can get what he needs if the worst should happen? Most of it is in joint accounts, so in theory he can have easy access, but not if he doesn't know where the accounts are . I've tried to tell him we need to sit down so I can explain it all to him, but he doesn't want to think about it. I imagine him being like one of those poor widows, so reliant on her late DH, that she doesn't know how to write a check. 