"I've thought for a long time finances should all be individualised."
I very much disagree with you about that Lenin.
The great thing about marriage is that it is a legal and financial union that offers protection to all of the people within the family unit.
The thing I find weird about marriage, or civil partnerships, is that they are only open to people in sexual relationships, and monogamous ones at that.
Why must only sexual partnerships have the option of being recognised as a legal unit?
Why couldn't any group of people set up a partnership of this kind to allow them to protect one another financially and work as part of a common, legally recognised family?
Sex is not a matter for the state, or for wider society, but the set up of a family is.
I think it's interesting to imagine a society where families could be established (and dissolved again when their time was past) more easily, but with all the rights that married couples have now, and some of the rights that married couples used to have but have now lost, such as transferring tax-free allowances, so that families had more flexibility over who took on paid work.