My wife and I will sometimes drink a bottle over a day, especially during the weekends (though, I usually drink 5/8 to her 3/8). I do not find this excessive, though we do this only 3 days a week on average.
I think if you are drinking a bottle a day alone, you may be bordering on having a problem. But, hey, who am I to judge?
Funny you should mention the checkbook though. I just got done paying for an online order as my wife was checking the account balance on her laptop. She looked at me and said, "Hey, I thought we were done this month." I said man that was quick to clear and assured her I was transferring the money into the account to cover it. I could only imagine how things would be if we drank 2-3 times as much wine as we do, but then we may be so drunk we wouldn't realize it.