I think the difference in our cases is that my W got "let go" - she started taking care of herself financially, emotionally, etc, and ended up several thousand dollars in debt, had two car wrecks and got her insurance canceled, had a very brief A with a nasty guy, and ended up waking up one day and saying, "Holy shnikes, I have screwed up my life so bad."
Dunno. THAT is what I think is missing in your scenario...
Though my XW is experiencing financial difficulty, you're not exactly lifting my spirits.
-PM (mobile)
M:12y - BD:12/11 - D:6/13 - 4Ds
"The ultimate measure of a man is not where he stands in moments of comfort and convenience, but where he stands at times of challenge and controversy." -MLK Jr.