Then let her set up her own account, and put the funds in there. Then you put together a plan that has her contributing to the shared family expenses, proportional to your incomes (with a floor on hers of say "25/75" or something, so that she needs to continue to go find a job). You have your own account, that your paycheck gets direct deposited into, and then you have a joint account that you each contribute into each month for the shared family expenses. If she wants to use DEBT as her contribution, let that be her problem.
