Again I think there is a curve :)

There is a point beyond which earning potential stops being a differentiator: you both have enough that it doesn’t matter. I agree there will be some hard conversations to get out of the preset habits though.

Till the point where the earning is necessary for your lifestyle - I can see how the first and second concept will play out: but that’s the trade off you’re taking for the benefits I mentioned.

I do agree all of this is based on the mutual agreement part. I was just pointing out it isn’t as dire as you say :)