I have different accounts too as I also don't want all eggs in one basket.
Also, I had a dear friend in a horrible marriage but had to stay in it as she didn't have access to enough money to leave. I took that as a warning to keep my own account under my own name. I don't think I will ever need it for the reason my friend did, but I also know I'm not stuck.
Just thought I'd toss that out there in case anyone can use that info. Even a small amount in an account with your own name can buy some freedom, if needed.
jmo
edited to add: Also, don't take financial advice from some random person on the internet, lol!