Have you talked to a lawyer to see how you can protect yourself? Why does she have all this control over the joint accounts? Well, not any of my business....just saying that you may not need to be so trusting at the moment.
I'm sure she found this board in the search, so you need to delete any of your history after you post.
It is not about what you feel should work in your M. It is about doing the work that gets the right results. Do what works!