Money is one of the leading causes of divorce. If you pressure her into merging finances when she clearly does want to, then that's going to increase your chances of it ending in one.

That said, she is 100% correct on how she wants to handle the accounts. My wife and I have done this since splitting the bills together and we never have fights about money. We have our own accounts that our income is deposited into and have one joint account that money is transferred into and bills are paid with. We're both responsible adults that contribute to savings, investment, and then fun money we spend on each other and ourselves.

I understand how you may think it's a good idea to merge finances and there are tons of other people that can do it and make it work. Your relationship isn't one of them because your spouse doesn't want to handle money that way.

Listen to her on this.