Hitch, if your wife is willing to divorce you unless you allow her to overspend, then you face some unpleasant choices. I think you should test whetehr she is bluffing. Look, you can always back down and give her back the cards. If she continues with the divorce because you dared to deny her, then you have your answer what kind of marriage she wants.

My wife would not divorce me over the money. She might divorce me if I don't want to spend any time in the same room with her, and make it clear by tone and body expression that I can barely force myself to talk to her to discuss more than pleasantries. Hitch, do you really think your wife would leave so she can go find someone else who has more money?

When you can see it coming, duck!