Not a financial advisor so take my answer with a massive chunk of salt.

My suggestion would be to get a joint account. If you are comfortable paying all the bills you can also have it overdraft to your account in case of emergencies. The move money into it monthly for bills. I would round up on your bills so you could build a little nest egg at the same time. You move everything that you have been paying into it. And ask her to move what she can into it. If she feels comfortable paying 50%, then do that. If things go sideways, split any extra money by the percentage she is paying. Then if things do go sideways then you can take your piece and have a nice vacation. If they don’t, you have nice rainy day fund.

To paraphrase an analysis that I read awhile ago, Apple’s practices were found to be legal because Apple applied the rules unilaterally whereas Google would make backroom deals to alter the rules on an app-by-app basis.

Please take this with a grain of salt because 1) IANAL and 2) it is the middle of a workday break and I didn’t take the time to search for a source, just basing this off of memory.

If you want I can research this after work to provide sources and update my comment.