Physics-informed neural networks (PINNs) for coupled multiphysics systems suffer systematic accuracy degradation as inter-equation coupling strengthens. We provide a theoretical explanation through neural tangent kernel (NTK) analysis: for linearly coupled systems, the standard NTK's spectral radius grows as
Ω(γ2) with coupling strength
γ, shrinking the stable learning rate, while block-diagonal Gauss--Newton (GN) preconditioning yields a preconditioned NTK
KP=JH+J⊤ whose spectral radius is bounded by
S (number of networks), independent of
γ. Adam's diagonal preconditioning destroys this projector structure -- inflating
λmax far above
S for any coupling type -- and its residual-dynamics kernel grows as
Θ(γ), placing its stable learning rate strictly between gradient descent and GN. For one-way coupling the limitation is class-wide: no diagonal preconditioner, fixed or adaptive, halves the driving residual in fewer than
Ω(γ) iterations (
Ω(γ2) if fixed), whereas block-diagonal GN requires
O(1). We verify
Ω(γ2) growth across linearly coupled benchmarks and confirm
λmax(KP)=S in all three 1D systems, including nonlinearly coupled NP+P. Combining the Kronecker-preconditioned optimizer SOAP with inverse-gradient-norm loss balancing (SOAP+GradNorm) yields coupling-robust accuracy: across 222 experiments spanning three 1D systems and a 2D electroosmotic flow benchmark, SOAP+GradNorm maintains final-epoch
L2 accuracy across coupling strengths, with
≤2.3× degradation in nonlinear NP+P while Adam+GradNorm fails (
L2>0.1). SOAP+GradNorm further scales to a 2D, 6-PDE electroosmotic flow at EDL-resolved conditions down to
ε=0.01 -- a regime all prior PINN electrokinetics studies have avoided -- where Adam+GradNorm fails entirely (
L2>0.3).