It makes sense that your STBXW having moved out and moved on may not want to continue spending her income on your Internet. A reasonable guess is your access will end when the next billing cycle hits. You asked for the passwords and she declined. I doubt giving you more control would make her life easier.
A reasonable backup plan would be “Hey neighbor/landlord, I’ve been having Internet issues. If I get cut off may I use yours for a couple of hours?” A backup plan just needs to ensure you’re not dead in the water. You don’t need to go as far as switching over or choosing the best antenna for that “what if” scenario now. You can wait until it happens to invest that time, energy, and money. That’s better invested now in finding a new place.
A month ago my car was having issues. I knew I had to get to a certain work appointment even if my car broke down. I called a rental shop, and asked if they had cars tomorrow. They said they did. That was good enough. The next day, my car did break down. I did not actually end up using the rental shop. It was just a back up plan to know I wasn’t dead in the water. I ended up negotiating a start time for the appointment one hour later. I ended up negotiating a time to get my car running that was three hours earlier. It cost less than the rental fee. But I did not need to negotiate that ahead of time. That would’ve been a waste of energy if my car has been fine.
