What if my wife is a moonlight family?

You are too tolerant of her, so that she doesn't feel how serious this problem is, and it makes her feel more natural to pay her debts after every quarrel. I suggest having a serious talk with her. Don't quarrel. Tell her to manage her own finances, implement the AA system of family public funds consumption, and pay for personal consumption. Don't pay her debts. After a while, I believe she should have feelings! ..... personal opinions, lack of criticism.