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From marriage seminars I've watched, there's no such a thing as an individual affirmation to say definite no to intimacy & money matters. "it means no the first time, and it means no the second" doesn't really apply if there's no legitimate excuse: health matters or other reasons
Something that doesn't get discussed is how women are given rights on their batini matters too, I actually have read many news about women filing for divorce to sharia courts because their men can't deliver satisfaction from intimacy and it IS a valid ground for divorce
imo when it comes to this, the individualized perspective we have as singles can be brought up biasedly to marriage scenario where everything must be on consideration of each other, in anyway possible hence the general consent. That also includes money that husbands must provide
General consent in money matters is talked about too in Islam, a wife can "steal" a husband's money if he's stingy and being unreasonable with his money. That doesn't mean he has no illegitimate authority when he has good reasons. Just like wife's authority over her body.
So keep all of that in mind when it comes to marital fiqh, of course everything must be done well-mannered, a wife of course can't "rob" his husband blind and put a gun to his head when he is being stingy. Nevertheless, wives have rights over money and husbands have theirs
