I would be scared to trust her with any money at this point. You know she's not herself and she could wipe both accounts out. She's using her job as a cover-up for something else.
She's taking something to jack her up b/c her body could not hold up to that kind of beating.
You may need to consider some type of intervention.
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!