For a W to recommit to marriage first she has to respect you as a man and as a person. That means you do not act out of fear of her. Because if you do, she will start using the fear against you. Womens sense these things and you will not be able to outbluff her. And you have to get rid of the fear what she might or might not do.
As fot the bank accounts go, there are many variables at work here, so the best advice would be to consult your lawyer and get and informed opionion.
One thing you have to remember, she's checked out of the marriage. If you are having sex with her, it might not be a bad idea to get yourself checked out medically, you cannot rely on her word. Sad fact, but it is what it is...
