New and Needing Advice (Long)

[DownNotOut...yet]

You're not getting it. YOU are the one who is exposed, not her. The car is in YOUR name. So you will be the one that gets sued. Additionally, if there is a claim against the insurance, as soon as they see she had no license at the time of accident, your coverage will likely be void.

There is no point are statement you can make that will make her see anything. Stop thinking and talking like that. You worry about you, not her.

Correct on not making crazy sacrifices. Moreover why would you even go significantly out of your way to accommodate her, a wayward spouse. If she shows up when the taxi leaves the house, she is welcome to a ride, if you don't mind.

You don't fix her problems.

You can be nice about it but be nice and firm.