Supposing the couple aren't Christians when they marry, and the wife later becomes a Christian, but not the husband?
Supposing the husband can't make decisions or doesn't want, or take, that responsibility?
Supposing he believes that the Lord can speak to his wife just as much as he can speak to him, and that, in some areas, the wife may have more knowledge, or responsibility?
The scripture tells us about the first scenario:
1 Peter 3:1
Wives, likewise,
be submissive to your own husbands, that even if some do not obey the word, they, without a word, may be won by the conduct of their wives,
2 when they observe your chaste conduct
accompanied by fear.
In your second scenario, if the husband doesn't want to be the leader then he will be accountable to God for disobeying the word.
In the third scenario, the role of husband and wife does not stymie the wifes input, or her relationship with the Lord; it strengthens it. When the wife is submitting to her husband she is also submitting to Christ, which means she is positioning herself to hear from Him. If she abides in Christ in her martial relationship she will have wisdom from the Lord to contribute. The husband should always receive the godly counsel of his wife and would be foolish not to consult her. That doesn't mean he is obligated to decide in favor of his wifes preferences, but he always should love her above his own needs.
We all can sin if we choose, certainly.
IF they have a joint bank account, one bank card, the husband is the sole earner and has control of the finances, maybe she would need to ask his "permission" before buying anything. But some women have their own bank accounts; some women have jobs - may be even higher paid jobs than their husbands - and are earning money and contributing to, if not paying for, household items and expenses.
No way would I even think of asking my husband if I could buy underwear and feminine hygiene products. As for clothes; he has no idea what I like and what would suit me.
I don't think husbands should regulate all of their wifes purchases, unless their wife is financially foolish. That wasn't the point of my example; I was only showing an example of the husbands authority and how he could exercise it.
Scripture? Or is that your interpretation of it?
22 Wives, submit to your own husbands, as to the Lord.
23 For the husband is head of the wife, as also Christ is head of the church; and He is the Savior of the body.
24 Therefore, just as the church is subject to Christ, so
let the wives
be to their own husbands in everything.
If the wife refuses to obey the husband, she has sinned; this scripture makes it clear that the wife
A. Submits to the husband as she does to the Lord
B. The husband is the head of the wife as Christ is our head
C. The wife should be subject to her husband in everything
The scripture is black and white, your choice is whether to believe it or not. Are you going to listen to the cultural idea of what a marriage is or what Gods idea of a marriage is?