But all of this would all be a moot point if he didn't become Spendy McSpenderson
Ok, I know your post was made in all seriousness, but this has handed me a good laugh that I NEEDED tonight! Spendy McSpenderson indeed! That was pretty funny!
To answer your question, no, it is NOT crazy and I totally understand how you feel. I was faced with this, too...H racking up debt and us still married; it was too dangerous to remain like that, esp. with him not wanting to work on our marriage. We are legally sep. now and I am protected but I still don't really want a divorce. All I can tell you is that I eventually had to seriously weigh all parts and come up with what was best for me...even if it was a step closer to a D. In the end, I know I did the right thing but I'm not saying it's for everyone. Come this summer, my H could file for a D. since we will have been sep. for one year. That scares me, but if by then he wants it that badly I guess I never stood a chance to be with him again. I pray you will figure out what's best for you, too. Just protect yourself...sounds like you have a good head on your shoulders!
Most of us really marry only once. First love endures, even unto our dying day. And we never really divorce.