I understand it's in our best interest to play their game. I'm discussing the principle. They are putting us through this song and dance to try to curb fraud. That's why I say it's abnormal for newlyweds to hash all this out so fast. My wife's life was very simple and didn't involve a lot beuracracy like mine does. I've got numerous accounts. She has like 2 or 3 (gcash, bank, phone). My whole situation with my car, for example, is stable. I have no motivation to tell the bank they can come after her if the bill doesn't get paid. I'm the only one working, because she's not allowed to work, so there is nothing for the bank to take from her in the event the bill didn't get paid. The only reason I would tell the bank anything, is to make USCIS feel warm and fuzzy about my marriage.
For my particular case, because I made my comment in the general sense, we've already filed our AoS and have an interview next month. So there is no danger from not filing. We did it within the 90 days and we got married within the 90 days. I'm still scared they might grab her at the interview just for fun, despite the fact that we followed the k-1 program guidelines exactly.
The only thing reasonable I've got her added to is the phone account. We're using T-mobile, through my vet mother, my wife and other family have lines listed. The house is in my mothers name to get a va loan and I'm going to have her write a notarized letter stating she has allowed us to live there and that we pay her money to cover the mortgage each month. The utilities water and electric are also both under mom's name. Never heard of an electric bill with 2 people's name on it. Internet access for the home is covered by the HOA. Most anything I could add her to would have the provider asking for a SSN. I ticked the box on the AOS form to have them send the info to SSA, which I've recently learned had some drama with the current admin so some applications are resulting in SSN issued and others not, however that doesn't happen until AFTER the greencard is approved, which means after the interview.
If she gets a greencard and no ssn, we're fine. We'll just make an appointment with the SSA and use the greencard to get the SSN. We did a concurrent EAD too, but have not received approval on that yet, just biometrics completed.