Why do these things happen lX

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Would I be completely anti-DBing if changed our car insurance, cell phones and such. I have been paying them since we separated and she has not coughed up a penny as she says she will each time the bill comes in. Also have discovered she is bleeding my checking account dry and I went to the bank, I can either leave alone or I have to close my account, I cannot just take her name off, she has promised in the past to stop taking money, but still continues.

I don't want this separation or divorce, but at some point I need to start protecting myself from her and financial ruin, I am afraid if I do this I am just pushing it farther along but I have to be able to live for myself and kids, at the rate she is going I will be homeless by the end of the year.