If I wasn't ready or trusting enough of my partner to merge my finances with them, I definitely wouldn't get married! There are plenty of relationship forms that don't include merged finances, but marriage, by default, does. I personally wouldn't opt out of it.
My partner and I aren't even living together right now (long distance) and yet our finances are very intertwined. As others pointed out, there are times when one of you might not make enough or any money, and being in this together, you just share. I can't really imagine sharing my life with someone but not my daily finances.
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