Why not just set up online bill pay for the bills and you can handle it all from where you are? I'm thinking you take it all out of her hands. She is irresponsible and moreover, she is not on the side of the family now. She has not made that a secret, SD. So why not let her know that, "Based on what you have told me, W, I have decided to protect my family's assets and financial future by overseeing the in and out of the family money. I will pay all bills online, and those that cannot be set up that way, I will leave money in the joint acct for you to pay. If you will not do that, I will arrange another way."
The overarching reality here is that you have a grown woman who is acting like a teenage girl. And her Daddy (that' you) has spoiled her. She wants to be on her own but she wants Daddy to support it. She wants to stay out all night, ignore her responsibilities and not be accountable. As a parent, what would you tell your sons if (when!) they act that way? You know what you'd say. So now apply that to your wife who is behaving badly.
She's going through this for an array of reasons. And you will need to deal with those .... but first... The Boundaries.
Greek
Me45 H46 T25 M22 S21 & 19 D13 Separated and filed 8/08 Moved home 11/08