You're criticizing him because he won't say he loves her, but he has never claimed to love her.
I can't see how you demand a commtiment from someone you've never loved. You just don't have that right....no more than she has the right to demand that you love her. I can completely understand reassessing the situation at this point, from her perspective. Perhaps she was willing to live that way for a time (in a loveless marriage), perhaps feeling it was the best thing for the baby and hoping that years together would foster a love. If she's not seeing that, and in fact is only seeing Cobra's demands closing in on her, then I can see why she may be keeping one foot out the door. When you don't love someone, you only have the right to ask but so much of them. Where is the reward in compliance with the boundaries? Getting to stay married to someone who doesn't love you, you don't love and who refuses to give you rights to various property? Sounds just about as tempting as my situation.
"Happiness is a butterfly, which, when pursued, is always just beyond your grasp, but which, if you will sit down quietly, may alight upon you."
