As for the going bankrupt part, most assisted living is expensive and its important to look at all costs. Some people do run out of money, its a big issue. And many people cannot afford assisted living at all. This is a really important question. When my aunt and uncle moved to a retirement community, my uncle needed more support than my aunt.
Costs are the first issues to be concerned about.
How will they charge the more independent member of the couple. Some facilities have independent living and assisted living within the same building, others only provide assisted living. What services the independent partner will receive also needs to be clarified. Of course the room arrangements are important. Some facilities have apartments or suites others just provide a room.