Yeah, the "everything goes into household funds" approach is fine for most use cases, but there are some where it would be nice to have individual accounts:
- Roomies. Do the BFF household and the Roomies household in the base game really have finances as merged as married couples have?
- Kids and Teens with allowances. It's kind of funny when you're running a retail store and Alexander Goth buys an $8K painting, but should his parents really give him access to the family bank account? Maybe instead he should just have access to his allowance.
- Teens and Young Adults still living at home who have part time or full time jobs. They might want to save up for college or to move out!
And yes, real estate. I would love to own more than one lot. I do it, by making it a "business" that I never open, but... yeah.