Yeah my XW accumulated 70k in CC debt when we were married without saying a word to me about it until it was monstrous. Once she did we came up with a plan and took care of it. Then she left me and now has her own house (bigger and more expensive than mine, the one she couldn't even manage half the bills on) AND goes on vacations seemingly monthly. I have no clue how she's doing it unless her mom is supplementing her income or she came into a big windfall somewhere. But it's been going on for years and she hasn't been foreclosed on or anything! So yeah, your W might very well make it work despite your thinking she can't. It's not really your concern one way or the other though, is it? Other than making sure S is safe.
