Re: yours mine ours accounts
I feel for you. I know you don't want to be his Mommy, taking over all of the bills and giving him an allowance to spend. Punishing him when he's bad. That's not what marriage is supposed to be right. You are supposed to be the wife to him, an equal partner...not the mother to a grown child.
Ask yourself if you can really see this working long term. He clearly cares so little about the financial issues that he's going to keep wrecklessly spending and you can't even trust him to pay bills.
What is he spending all of his money on?
Personally, I'd be making moves to let him know I'm done.