The easiest way to catch a cheating spouse is if all of your banking accounts are joint so both parties are aware of what is coming in and going out, and each can monitor the activity separately. I never understood the need to have separate accounts. Marriage is about open communication, negotiation and compromise. Financial indiscretions are most likely symptomatic of a fundamental problem between the couple, one that has nothing to do with money, and is more likely related to communication and compatibility.

More proof of a need for a prenuptual agreement. That agreement should include a demand for fiscal responsibility and safeguards that keep both parties working and responsible for their incomes and the joint management of the bills. And you can certainly add a clause regarding infidelity... instant dissolution.
Financial accountability goes hand in hand with the rest of the marriage agreement, in my opinon. Like dadw5boys sez, separate bank accounts with one joint account for the bills. Also you can sidestep the credit card fraud with the same ageement - no joint credit cards except maybe one for emergencies.... and a prenup to cover the details and then, if she is a cheater and a liar, you have some options that you wouldn't have otherwise.
I spent almost 20years in a relationship where we shared everything and we tried to be in business together and it was an utter failure. I was very tight and focused, she was impulsive and stupid and when it came to accountability the solution was for her to rage at me and deny it all no matter what was on paper...On top of it she was anything but faithful. I know now that she was probably a Borderline Personality Disorder type but it cost me thousands of dollars and a lot of failed opportunities to realize it, understand it and get away from it. A prenup could have saved me a lot of trouble. If I ever get married again, and I have my doubts at this point, I won't do it without one.

Love is never easy.

You have private and seperate accounts before getting married. Keep it that way.
Also put a statement on your credit that no one is to be added to your credit account.
Some women get 10 to 20 new credit cards before they leave a man. They throw away the extra card sent to him. Then max out the cards after they move out for new stuff then file bankruptize. Talk about getting over. They then find some fool and do it again.
JOINT ACCOUNT should only be funded just to pay the bills keep the rest seperate. Hard learned lessons.

I guess this list is for those people that wouldn't recognize a two-by-four unless it hits them in the head.

Oh man--War in Iraq, global warming, economic meltdown, destruction of the Constitution, hi-jacking of the Democratic nomination by billary, the fascist coup that has enslaved America--and now I have to worry about this, too? Man, it just ain't fair...