OK, well I think a good use-case could be supermarket shopping, I share my joint account with my partner (no surprise there I assume) and I might be doing a weekly food shop in the supermarket. As I walk around I also see a new pair of headphones that I want for £45, so I add them to my trolley. When it comes to paying I pay with our joint account as its our joint weekly shop. But then I split £45 of it with myself so only I am paying for the headphones. When my partner looks at our statement and wonders why our weekly food shop is £45 more than she expected she can also see that I shared £45 with myself and probably bought something I don’t need 
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