that can happen with or without separate accounts.
Not really. if you have joint accounts and you know how much each person is pulling in, then you will know if money is being spent or moved around.
Having separate accounts creates an environment for more secrets. It could start off as innocent as buying a pair of shoes or an extra round of drinks, but that only leads to more secrets, deceit and fukkery.
And I'm not trying to tell you what your doing is wrong. If its working for you keep it up. I'm just giving my opinion.
In my opinion the word "seperate" doesn't belong in a marriage. If you want seperate things you shouldn't have gotten married. The only reason to have seperate accounts is to hold secrets or a back up plan. Both of those things are detrimental to the prospects of a successful marriage.