The issue of couples managing digital asset together is a decision of choice and mostly by tradition. Not every tradition do such practice especially when the source of family income is one sided. Trust is very vital for this practice to succeed. Among the concerns you mentioned up there, only death is the pressing concern as it may lead to lose of entire assets if care is not taken.

The issue of one person falling for a scam is a minor concern because I believe one party should notify the other party before taking any action that concerns the wallet. Unless they are both dumb, they can't really be deceived at the same time. Divorce is a lame issue here. Property/assets will be shared after the divorce and each party can go ahead to set up a different and separate wallet afterwards. Nothing is messy actually 

"Traditional finance"? There's no such thing as traditional finance in the country, where I live. All people open individual bank accounts. There's no such thing as a "shared bank account" or "shared portfolio" between a husband and his wife in my country. I guess that you are living in a country where the patriarchy is still strong. Anyway, you are basically answering your own question here. If one of the married couple falls for a scam, the money(or crypto) are gone. If the couple ends up divorcing, both will get a half of their "shared wealth" despite whoever contributed more for gathering that wealth. This is one of the main reasons why I don't want to get married.

In some cultural beliefs, couples are considered to be two different souls that are forever bound together in love and living and at such should share almost everything together. For people with such belief, investing together in Bitcoin isn't a bad idea but for people who believes that couples are two different bodies that cohabit but are very free to engage in different activities individually, it's also not bad for them to invest separately.

These days, divorce in marriages are very common which is why I won't advise any couple to invest together. In a case where the investment funding is coming from both parties, I'll suggest they share the funds appropriately and invest in their individual wallets.

Depending on the spark, respect, commitment, trust, and understanding that is built in the relationship, that's what will determine whether the man should even agree whether he must save his Bitcoin with his wife or not. Women are being intentionally wicked these days in their marriages and relationships and with such situations that is more repetitive these days it has put a doubt in my heart to wonder if women can even be trusted or not because majority of women are with a man because of the money and when there arisen any minor issues, they will rush to file for divorce because they know what they stand to gain from the man's wealth and if they know everything about the man, they will know too much of how much the man got in his bank account and how much worth of Bitcoin they get. Personally, I would not save my coins in same wallet with my wife and if she is a Bitcoin lover too, let her keep her coins to her self in her own wallet.

I don't think this one is good, it means you're hold your coins in centralized exchanges, CEX isn't a safe place to hold a lot due to prone of getting hacked or bankrupt. Even the exchange require email verification and 2FA code to access your account, but there's still a way to access if you lost one or few login credentials. It's contacting the customer service and ask how to change the 2FA/email.

It's possible, as long as you have all the login credentials and know exactly about the account, you will able to regain access.

why not just both? usually married couples have shared money that they can use for the family and then they also have money of their own in which they can use to anything they want

i believe that that is the most ideal scenario here just because you are married does not mean you can't invest on your own as well we still need individuality and privacy even when married so if you could afford to do so then just have both the joint and separate portfolio but know that everything is for the better of the family

But I want to ask you, if you know your lover likes flashy things, she is easily caught up in material things, not putting love for you above those things. Why did you choose her as your wife in the first place and put your trust in such a woman? It was clearly your fault, you brought this upon yourself when you insisted on marrying her even though you knew she wasn't the faithful type.

I find it amazing many people like to badmouth women or look down on them. I wonder, those who are badmouthing and doubting these women, are they married and experienced or just watching movies and imagining these things? Or are there cultural differences between countries? Because i'm married, and most of my friends are married and none of us have ever experienced the things that some people here are imagining. Not all are good people but most women, wives in my country are not as bad as many people say here.

I don't understand why your wife will not be interested in bitcoin. This is risky to my understanding. Your wife should be able to pick interest in what brings money, unless you have an offline business which brings major money and your wife is just interested in that one. If you are able to tell your wife bitcoin related stories, what happens amongst your crypto friends, what happens here in the forum, the mysterious nature of bitcoin creator, the pizza story and more, she will eventually become interested. That was the method I used to get my spouse interested in bitcoin.

Since my wife doesnt know about crypto then i dont really have any problems in regarding to this but eventually everything on which i do is really that because of them or simply i've been doing these investments for the benefit of the entire family. Somehow, she do knows about of my files whenever i do pass away on which i do make out some explaination about it and since she doesnt care about on what i've been holding or really that up to then its not really that much of a problem for me.

In the opinion in regarding separate portfolios then it does have that different pros and con's too on which just like on what been mentioned above. If you are the husband then it will be that up to you whether you do share it up or not. It all matters about the agreement in between and having that trust on which i do say that this is the main factor on where people should really be that reconsidering about. There are really just that couples that been thinking up about money.