I like the alignment part but my mind races with obscure scenarios like what happens if one spouse gets in a wreck & winds up in a coma? Sure it could be set to time out, but clearly a bunch of money would be immediately needed for medical bills, possibly to save that spouse's life.

I could see this working better as a savings account that was opened at the wedding. All your friends and family contribute sats instead of handing you an envelope on the big day... And throughout your marriage you both have the option to add sats to it, perhaps a little out of each paycheck, to save up for something like a dream home or vacation budget... But everyday living money stays left out, in your normal wallet.