Dunno. Another possibilty here is our old friend depression. Does your wife show signs of depression? During my/our cash crisis mostly caused by the W, I went into a funky zone that has our relationship where it is.

If she is in fact depressed, you can't make her get treated but at least you'll know where this mess is coming from. Your W shares some of the my W's ways. E.G, they think money grows on trees and we can go out and pick it for them

Just a thought..