I have a hard time believing that someone who is depressed and so stressed out by financial woes would then go buy a car just to be provocative. It's not the behavior of a rational person. I agree this sounds increasingly like a mental health issue.
Hopefully your C will be able to offer some ideas for next steps. Above all, take care of T0!
H 37 Me 36 Together 15 years Married 5 years No kids BD Apr 2014 H moved out 2 Jun 2014