I think having separate accounts, might be a good idea.
Say if you are married, you each have your own individual accounts, to spend on whatever, and then a mortgage/rent/housing account which you both contribute to.
I never really got what some people would do, and this was that wives got treated shabbily by their husbands because they earned less and were given less to live on, but had to account for the main daily expenses like food, clothing etc. Then the hubby would buy an expensive toy like a car or boat or yacht for his own fun while the children's shoes say were falling apart. Or the roof was falling down. Then they would get into arguments about that, the husband claiming the jet ski or whatever was for wellbeing or fun for the whole family or something.
Or how some wives had to lie to their husbands about their grocery expenses so that they could buy gifts or clothing. Um why didn't they just have a fixed amount set aside each week, like living allowance or something?
Anyway the whole wedding thing is much harder to do if the couple themselves find that they are the ones that are paying for it. Most couples do not have the resources. If the in-laws or parents are paying for it all, I wouldn't be complaining about a thing.
Then it comes down to, whether the in-laws and the parents don't recognise the marriage and aren't willing to contribute anything or host a wedding at all. For many couples thats just hard reality - their families may be in another country, or ill, deceased, or just not have the money.