Wondering on different scenarios 

- both spouses have individual foreign accounts (not joint) and have more than 10000 individually : both file fbar
- both spouse have individual foreign accounts (not joint) and one has more than 10000 other has less than 10000 : Does it mean only one spouse who has more than 10000 files?
- both have individual foreign accounts and both have less than 10000 individually however total might be more than 10000 : Assume none files?
- both have individual foreign accounts and both have less than 10000 with total being less than 10000 as well: No one files

Wish they were more clear around this, as well as congress updates the regs to increase the limit to be same as 8938 - its 2020 not 1970s (10K in 1970 will be like 100K or more)