I hate to use you as an example. And PLEASE don't take this the wrong way because I am familiar with your story for more than what you posted here. But just going by what you said here alone...
don't you think that, that's what working through a marriage is all about? I hate to sound insensitive but marriage is a LIFETIME i.e. the REST OF YOUR ADULT LIFE ALL 34509845560 days and bad things ARE GOING TO HAPPEN. People don't go thru adult life on a kite- this INCLUDES bankruptcy. You made the vow to be life partners for bad or for worse, for richer or poorer. But I don't mean physical harm.
I look at a couple I know who've been together 25+ years. That's a long time, yet not half as long as couples I seen growing up married for 50-75 years!
Shyt is going to happen in between that time- best believe. I've seen this couple not even kiss or like each other for YEARS at a time. Where one partner financially ruined the other to the point where they're econimically strapped to each other and NOT making any effort to make things better. But does that mean they run off and get a divorce after, even, 15 years? NO because it is a lifetime commitment they made to each other.
Sad enough to say, I look at them and sometimes think I don't even want to get married because I know if that was me- as an X generationer- I would be gone as soon as I hit the lotto. What happened to our morals?