The vast majority of the spending is out of that joint account. The allowances are mostly a hold-over from when she had no job (moved to the US on a visa, had to wait for the work permit and then to find a job, almost a year) and felt the need to ask me for permission to spend money. I was getting annoyed, she was getting resentful, we made the allowances so there'd be no questions. We both got the same, we could spend it without asking, spending for ourselves out of the joint account was allowed but always with discussion (mostly, "Can I?" and then "Yes").
I assume full trust to someone I marry without any artificial constraints in advance