If you feel comfortable in leaving your finances the way they are, then do so...but keep a very, very close eye on them. If she is in MLC, you do not want to rely on her to separate the accounts....she won't do it. You have to remember, she's not the same person you know and love and could very well be acting out like a teenager. Your expectations need to be lowered to zero or pretty close to that.
To answer your actual question...they do feel guilt, but the urge to do the things that they do is stronger. They know right from wrong, but they feel entitled and will do whatever it takes to make themselves feel better. No, they do not take responsibility for their actions because, in their minds, it is everyone else's fault that they feel the way they so. However, some will admit how they felt during their crisis at the end of it and others will sweep it under the rug. Some apologize and others don't. But they are like kids and it is everyone else's fault.
I have one question...think back to 12-18 months ago...did something happen to her? New job, child graduating or a new baby, illness, death of a parent or someone that she was close to. Generally, a crisis is "triggered" by some event.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.
