I have not revisited this ongoing thread for a long time, and this just struck me as harsh:
I cannot envision us entering the State of Intimacy unless I were far more successful professionally / financially than I expect to ever become. Hence my profound doubt as to whether we will ever be Intimate. Hence my doubt that I will ever experience SF.

Why do you think that? What has your wife said to make you think that her lack of interest in sex is tied to money?

Is it FS for herself?
Is it Financial Insecurity?
Is it status?
Is it diminished Admiration for you, which is connected to low interest in SF?