Nobody told you to punish your W for bad behavior. Nobody. I often wonder if you actually read the posts or you just gloss over them and formulate an off the wall response simply to continue the conversation.
Allowing a grown adult to experience the consequences of their actions is NOT about punishment. You either really don't get it, refuse to get it or really just enjoy the back and forth with other forum members.
Your W chose to not save her money. The natural consequences of not saving money are (A) go without (B) incur debt. By allowing her to experience the consequences on her own for her own actions is not punishing her.
All you explain to us is the surface issue but you don't put any effort towards understanding the bigger/main issue. You claim more than anything you want your W back but when it comes time to start digging deep you don't, you look at the surface and things remain the same.
