I find it surprising that so many keep separate accounts. When you get married, unless there is a prenuptial agreement, legally all assets are shared 50-50. It doesn't matter who makes more, or who has more debt, if a divorce happened, it's going 50-50. Most expenses are shared, why complicate things by having separate accounts? I could see each person having a main account where everything is deposited, and then having a small amount withdrawn into two separate accounts for free spending if that is a concern, but other than that it seems to make everything more complicated.
And to the presents comment, if each person is working, each are contributing money, so I don't see how it becomes less special if it's from a shared account, the spouse is still using hard earned money to give something thoughtful.