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We have several Kindles registered to the one account my husband and I both use. If I lend a Kindle to my elderly mom, and she reads a KU book I've borrowed, I don't think Amazon cares. It may be outside the "letter of the law" but not the "spirit of the law." Now handing spare Kindles out to several friends would be a different story, which I wouldn't do.
Back years ago when I was active on the old Amazon forums, spouses with separate accounts was fairly common. Amazon provided for those couples with the family share thing they did.
My husband and I have always used just one account for our Kindle books. It's never been a problem for us...he doesn't download most of my books, purchased or borrowed, and I usually don't read his choices. He has his own Amazon account, for some purchases, such as gifts he wants to keep secret. But there are no Kindle books on that account.
I never understood the whole "separate account stuff" for married couples. But then, we've been married 44+ years, and it has been a mostly single income life. It's not mine or his, it's ours. When we used paper books, they all sat together on the same shelves.
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