I had never given her any of my personal credit cards, or bank cards... She had asked many times for me to put her name on a credit card of mine, but I've realized that wouldn't be very prudent, so it is correct I've never given her access to "my" accounts or cards. I rarely use my credit cards, I've been telling her giving her a card with a $500 limit on it, why wouldn't I just give her the $500 instead, because that's all I'd be doing as soon as it was maxed out. It makes no sense to give a credit card I am responsible for to someone who can't control cash...
But she has had plenty of chance to take something from my wallet and pants, and even my house, and I never found anything missing...
I only was interested in my name on her account, because I have allowed myself to be responsible for clearing the overdrafts, but I tired of having no visibility into the account.
Opening a new joint account, and working together to build it, hope it would help her build trust with me, use it as a teaching opportunity and hope she would learn to better manage her own account, and quit buying the bank several Red Lobster meals in overdraft fees every month... The chance to help her grow was worth the risk of a couple of hundred dollars to start the account.
Maybe the lack of chronological order to everything makes the story more difficult to follow, just the joint bank account didn't seem all that relevant before, until today's revelation from the bank.