If she makes more than you, joint checking...if not, separate.
This is unfortunately accurate. To answer the OP question we would really need to know more about her upbringing. If you're giving someone who has grown up poor access to money then you will be screwed. If she grew up learning how to manage money you have a good chance of being all right.
Had an issue where a woman's card was initially charged incorrectly. The payment was voided and it was explained that the approval will still show on her account for 48-72 hours but no money will be taken out. Obviously call us if it does. She keeps calling for the next few days saying the money has been taken out. Over the next couple days we keep trying to explain to her that money has not been taken out. Her bank tries to explain to her that money has not been taken out. Tells both of us we are wrong. I notice the name on the card is her husband's. I ask her if she has ever had her own card? No. Have you ever had a bank account? Just a savings. Then how are you telling me and the bank that we are wrong?
Tl;Dr I know but this is a very common occurrence where women who follow the traditional roles do not have a clue how to manage money.