In traditional finance, married couples usually opens joint bank account to manage money together. But when it comes to Bitcoin, things are are not always that simple. Should partners share a Bitcoin wallet like a joint bank account, or is it more smarter to just keep separate portfolios? A shared Bitcoin wallet helps builds transparency and can strengthen financial trust in a relationship. However, one big concern is security. If both partners got access to the same wallet and one of them falls for scam, all their Bitcoin could be gone forever.
Another issue is inheritance planning. If Bitcoin is held private by one partner and they pass away sudden without sharing access, the other one might struggle to get back the funds. And what if the couple ends up divorcing? That could turn into a whole different mess.
just use multisig, then it will need approval of both of you.
on the other hand, your point does make sense a lot, I've seen plenty of case where people got scammed with social engineering, so having separate wallet does make sense, but it'll reduce the trust that you have as a couple.
so, I still believe that multisig is the best way to solve this problem.
this big exchange holding thousands of BTC if not more are using multisig for a reason, it exists to solve problem like this.