Frank, I'm going to be honest with you that I am on a fence about your wife. In so many ways she reminds me of myself before my MLC (financial ignorance, self-centered, narrow-minded, etc) and I know that the only time I started getting half a clue was after Jeff left and I had to just do the LITTLE things on my own on my 30 hour week/$10 an hour paychecks. Taking care of two kids, keeping them fed, gas in the car, car payment and insurance paid was IMPOSSIBLE and that began to open my eyes to all he'd done alone for so many years while I did next to nothing and hid behind the "I'm raising the kids" crap. THAT part of me would love to see you show your wife to the front door TODAY because I know that getting a taste of the real world had a profound effect on my appreciation for my husband.
On the other hand, I am concerned about several of the people your wife runs with and I don't think it would be a good idea to send her out to the wolves. Telling you that goes against everything in my gut but something in my spirit says "DON'T DO IT". I've got to go with my spirit on this one so just freeze, continue to enlighten YOURSELF and your behaviors will change and it is a given that hers will eventually as well. Wherever those changes lead the two of you, you can then decide together.
*I don't know where the heck this idea just came from but is she trying to go on another trip anytime soon? Don't foot the bill.