What are the negative consequences of having all financial accounts
(savings, investment, mortgage etc) jointly in the names of both the
spouses? Please exclude the scenario of divorce from your analysis.

I would expect your analysis to focus on the implications of (1)
liability suits against either of the spouses (2) death of a spouse
and any other scenario that could have an adverse impact, purely due
to having joint accounts. Does the joint income tax filing status come
into this picture also?

Please provide your analysis and provide links to original sources
wherever applicable. In the ideal answer, I would expect a numbered
list of consequences, along with references, court orders etc (links)
that helped you to arrive at those conclusions. Any state specific
laws and regulations as applicable to the state of Maryland, USA is
also expected.

Thanks,