I see it very romantic to share everything with my partner including finances because money is one of the most important substance and if I don't trust my partner with it then what can I do.
I don't see any huge risk in joint account if my partner is trustworthy and we both have our personal accounts aside our joint account.
You see, what many people do not know is that in marriage, each partner must know everything and be carried along including finance because they are both in it for the long term. Having trust is one key important and when you both trust each other, then there wouldn't be any problem at all.