DNQ: I just wanted to make one comment. I noticed before that you were giving her gift cards. I knew it was so she actually spent them on the right things - like groceries or medications she is dependent on. Giving her cash would mean she could do the opposite - spend on drugs, alcohol, clothing or frivolous items. As long as you are sure that your children's needs are being met, your wife will have to understand that she made choices that caused her to be where she is. Now she has to learn to live with it. I would suspect until she stops pointing the finger at you, she will not figure this out. But for now - you have the power.
I'm sure the courts will award Spousal and Child Support but will you be able to prove how she blew the 100K? If so - they should take that into account and award her less since she was essentially "paid up front".
Have you considered going for full custody with her getting visitation? It is not a bad idea when a mom is in full blown MLC. I know some guys who have done it and done a much better job than the mom would have. Something to consider. I'm suspecting you'd have a better shot at it in family court than she would.