Okay, so the wife was away with the kids recently visiting her mother. She texted to say she wanted us to stop having a joint bank account and to separate the finances.
Getting the text was a hammer blow as it seems to be just another step towards permanent separation. She's told me in the past she's on the fence about working on the marriage or calling it quits, but keeps taking these steps that all lead towards one specific outcome.
I guess there is no point in asking her to leave it for now, given she says she's in a holding pattern? As much as it saddens me it can be undone later and I imagine the request might be seen as controlling?