We have separate accounts and a joint account that we contribute to for all shared expenses. I contribute 75% more than my wife does so that we have the same amount of savings/personal spending money. That gives us total freedom to spend as we like, gamble, shop, donate to our favorite causes, etc, without having to feel guilty or judgmental. It also acknowledges that we are independent human beings. Neither of us would have it any other way. And neither of us feel that the marriage is anything less than rock solid.
I don't get the comments about trust. Our arrangement doesn't require any more or less trust. One could still "destroy" the other, but we know each other well enough not to worry about that.
"Submission," has no place in a respectful relationship, IMO. I'm sure it's not too you, but to be that sounds utterly creepy.