<prompt> Human: Ok, so my wife has a friend who is Bi-Polar. One of the common traits of a bi-polar is going on overspending binges. Shes been in lots of trouble financially and her husband has now effectively cut her off from dealing with pretty much any of the household finances. She works just a little bit and hes letting her open up her own separate bank account to keep her money and mange it how she needs for groceries and stuff for the kids. we wont get into how fucked up their relationship is. So...she asked my wife to be put onto this new account shes opening up. Im not sure exactly what their logic behind this is. As I understand it, its mostly because the two of them constantly owe each other money for one thing or another. Just little bits here and there. One of them might have picked up the tab for lunch, one might have picked up something at the store for the other, whatever. Personally, I dont see why they even bother keeping tabs on who owes what since they seem to pretty much go back and forth so much they probably break even enough to not care about the difference between friends...but thats irrelevant. Anyways...I think she also sort of wants my wife to help her keep her shit straight with this account, but Im not really sure. Oh, and I think shes keeping the account or at least the fact that my wife would be on it a secret from her husband. Shes had credit cards in secret since he cut her off too. He doesnt let her have any CCs either None of our money would be going into this account, it would all be strictly from her, and would give her a way to pay back my wife easier...supposedly. But Im having a hard time accepting this. Im having trouble envisioning exactly HOW this could go bad, but I know there is something that doesnt sit right with me about this. Can any of you wise folks help me get some good reason to tell her not to do this aside from this doesnt feel right?TLDR; My wifes friend wants to put my wife on her account. I dont feel comfortable with it, but I have no solid reason that I can explain. Can you guys give me a good reason?Edit: For the sake of clarity, the stated plan was that this account would have no overdraft ability, so if the money aint there, then the card gets declined. No way that Im aware of for the bank to come after her for anything or otherwise affect herour credit if there is no overdraft, right?Edit2: Another point of clarification as mentioned below. Im almost positive that Ill veto this idea, Im just looking for a good solid reason to present logically other than just This sounds like a terrible idea...which it does...Edit 3: Ok. Im think Im a little more rationally armed to disarm this whole concept. I knew it was a terrible idea, but was having trouble verbalizing it when it was presented last night. Probably because I had too many other things on my mind at the time. Most of the things pointed out here were pretty obvious and were sort of in my head but needed you guys to pull them all the way out. :Edit 4: OK OK...I got it. Its a terrible idea and I was an idiot for even thinking of not saying no to this. I knew there was really no upside, but for some reason I was having mental breakdowns and couldnt articulate why this was so terrible. Edit 5: UPDATE: Ok. Last edit. Ive already talked with the wife. Its not happening. I gave her just a few examples of reasons why not and she didnt argue with any of them. She simply hadnt thought of it that way. We can try to find other ways to help her. Wife wants to do lunch with the friend so we can talk to her about it...basically, so I can be the bad guy and tell her no. Im ok with that. Bottom line: I dont need you guys to keep telling me not to do it. I already got it. I knew that going in...I just needed help with some reasons. Thanks for all the input. I know you guys are just looking out for me. Assistant: If the friend is the primary on the account can she decide to change her mind and have the bank allow overdrafts?Friend is keeping the account secret from her husband and wants your wife and by extension you to keep the account secret as well? So you two become complicit in the web of secrets between husband and wife? Yeah, I think that right there is enough to make you feel uneasy and urge your wife not to play.Human: This was precisely my other argument against it last night. But Im not positive if I understood correctly about the secret part. But yeah...I dont think we should be getting mixed up in their BS if theyre pulling shady shit.  <response>: People have used the words Financial infidelity to describe what your wifes friend is doing to her husband. Shes obviously not willing to address the problem so she is taking out credit cards and opening secret accounts. Do not participate in creating a beehive for her marriage if you believe in karma. 