Husband doesn't want to have joint account after losing in crypto?

We've been married for some months now and my husband does crypto. He got it all the way up to $175k and he wanted more and ended up back down to $65k. Ridiculous, lost over $100k. He could've taken some out for us for a house but no he wanted more money. We talked about finances before marriage and I brought up about a joint account. He barely wants to do that.

Husband doesn't want to have joint account after losing in crypto?
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