Ken, you '
believe' it to be truth, or you want it to be true, the thing is you don't know, not easy to deal with, i've been there myself, and when my misses got into difficulty, she didn't ask me for money, i offered, it was refused by her and by her mom, i pratically begged her to take the money for weeks
and for me then, there was no way out
maybe you are being scammed or used and abused, maybe she really does need your help, but becareful what you accuse her of without evidence, anyway the balls in your court, i wish you well.
and i forgot to say, we married in end, and we've been happily married for 6 or 7 years, i can't remember