Earlier quoted context omitted.
Maybe in a “partnership” you don’t need to ask a “partner”. But in marriage you don’t have “your money” - you are both on the same team, so all money are shared. If you spend $1000 on something random, that sets your team, your family, back of its common goals - house down payment, vacation, etc.
I am in a long marriage,we each have our own money and joint account money. We are both in the same team and can spend our own money. Each person has the same percentage of take-home to spend as an individual. Work for us, may not work for others.
This is pre-covid numbers but 69% of Americans have less than $1000 in savings. 45% have no savings, and roughly 30% spend more than they make each month, accumulating and juggling credit card balances / short term loans.
I'm from a poor area in the US and most people have $0 "extra" money. As an example my high school 10 year reunion was a few years ago and the target goal was $20. Even with a year's notice most people said that would be too expensive and they wouldn't have it. ($40 per couple).
We had multiple fundraisers to try and get everyone to participate. The fundraisers were everyone buying extra chicken wings with their food stamp cards and giving it to a local restaurant that cooks them and sells fundraiser plates and a car wash sponsored by the bowling alley that gives a free game to anyone who gets a $5 car wash.