I agree SPM, keep us posted on how you respond. My W has upon occassion made similar statements to which I typically do not respond and she sometimes comes back with admission that she put herself in this position and will get herself out.
The getting separate bank accounts after 12 years having a combined account was a very sad day in my life.
Me: 48 Ex-W: 45 M: Nov '96, together since Oct 93 Bomb: on 10-yr anni - Nov '06 OM Separated: mid-Feb '07 Divorced mid-July '08 One daughter - 28 XW living w/OM