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Lifetime subscriber
Looks like the spend with others feature solves this after all. Set it up last night and added my wife and it creates a separate group (scrolling along to the right of all your other currencies in the app). I transferred a few dollars from my initial deposit to it to test it and my wife could see it in her app with just that amount and not my full balance, and you can create virtual cards for the group. So it looks like this can be a separate balance of money, essentially acting as the joint account instead of having it all in one pot and having to filter by the physical or virtual card. Next is to test buying something with the virtual card from the group to confirm it comes from that balance.
Difference to a typical "joint" account with a bank is that the person who sets it up is the only "owner" and the other members can add money to it and spend from it but can't add or remove other people and can't withdraw the money. Looks like this is exactly the feature we were looking for in just being able to use a separate joint pot of money.
Screenshot of what it looks like in the app:
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