I don't disagree with any of those statemens given the current economic situation, but honestly, I still treat the situation this way. If there is a binding agreement (marriage license) between two people, I consider their income as one. If there is no binding agreement (boyfriend/girlfriend or roommates) then I consider their income separate. I don't consider this discrimination because of teh legal binding nature of finances with regard to marriages. As stated, I treat it similar to the IRS.