I have this idea that your wife has made the decision to live as roomates until your financial state changes. I think that is her inner thought process. She is actually stalling the progress becasue she is not interested in it. She "has made her mind, she has given you chances, she has waited, too late now...". I hope I am wrong but that's my feeling. She cant recognise anything, she is in a completely different mode than you are.
