My suggestion would be if you can not validate do not respond that way there is no confusion.
I think i would try option #1 and if it doesn't go well back up give her time to cool down and then look like the hero and give option #2,as she is still your wife(in alien form) and half of the account is still hers,and at this point she could take it and do something worse.
She thinks she is herself and that this is the way she wants to be but you know her and all you can do right now is wait for her to come back and yes love her from afar.
You don't get to choose how you're going to die. Or when, you can only decide how you're going to live now. ~Joan Baez