whoa Gary! everything she does affects YOUR credit rating for the rest of your life (if you are legally married), you must find a way to get through to her. Tell her she is not being fair to you or herself. Tell her she is being a bad witness by overextending herself like this, eventually YOU will be paying those bills even if you are not married to her. (I have a family member that was going through a divorce and the ex maxed out 3 cards, store credit cards, medical bills, etc... and he had to pay 1/2 of all those bills because they were legally still married) Maybe you could threaten to go ask the kh for some financial help because she is being so irresponsible you don't know what else to do? yeah, that would start WW3 but........
As for the license? I suggest letting her take her lumps. Sometimes you have to pay the piper before you learn. If she has no license it may be more difficult to go to the kh, go in fs, go rack up more credit card bills, etc... Though you would save on car repairs & insurance with her not driving! Maybe there is a grocery or gas station nearby she can walk to and get a job there? Hard as it is she may just need to hit rock bottom in her selfish ways before she wises up. It has been my experience that jw's will often spend away because in the back of their mind the big A is right around the corner and they will not have to pay it back. It is not until you point out that what they are doing is ruining the family and THEY will be the ones to take that blame and it will be made known who was at fault. Like the wt they don't like don't bring reproach upon the witnesses or they see old people who have nothing and they play both sides, yes, the big A is right around the corner but just in case maybe I better be a little prepared financially just in case it takes longer to get here.
I dunno Gary, she is playing a dangerous game with all your futures.