Let's see if I can help you by telling you what I think my H's rock bottom was....
He was drinking to forget...but had to sober up sometime
He was spending like there was no tomorrow....but tomorrow came
He had two cars repo'd...one new sports car, one used mini-van
He had to leave all his belongings in an apartment with a roommate that he couldn't afford to pay....
His health went down hil quickly...was hospitalized and had to be thankful that regardless of what a jerk he was being I put him on my health insurance so he got excellent care
Can't answer the phone for the bill collectors calling...he owes $120,000 that I can total based on his credit report...can you spell B-A-N-K-R-U-P-T-C-Y???
So bottom line is when he really hit the bottom he had to admit he was not mentally well and that he really did mess things up..he even admitted that he didn't deserve my forgiveness.....
Everyone's bottom is a bit different...but it is usually when they lose everything that thought was important (new sports car and OW)...and are forced to admit that they were the problem not just the victim...basically it is when they finally get humbled the hard way....
So for your wife...her bottom may come when all the money is gone and she really is faced with the consequences of all of her actions!!!