These movements thrive on guilt/fear because it works. Fear of what you may lose, or guilt about being "wrong" is motivating (albeit in a negative fashion). You're 10x more likely to do something due to the bad effects of not doing it. It's just instinct.
Many in this cult are only passing on what their religious leaders/parents/culture have taught, and then it repeats from children to children. It's not really their fault, but that's the nature of this beast. The thing to note however is that guilt is not anything real - it is only an "alert system" to say that something may be wrong. Whether it is wrong or right is besides the point (i.e.reality) - your conscience has been programmed to think a certain way. Unfortunately in the JW sect this "radar" has not only been tuned into over-drive, but the alert goes off at the silliest of things, e.g. watching the smurfs, having a wizard toy, being accepting of a gay friend, not doing enough field service, masturbating, not preparing your watchtower for a brainwashing session every Sunday where someone else interjects their own ideas into your head...you get the idea.
With that in mind, logically speaking, being away from your husband is the healthiest thing. Do you think that God/Jesus had abuse in mind when in the bible Jesus said "a man must stick to his wife"? Of course not, the whole idea of marriage is an interchange, a to and fro of give and take - something mutually beneficial towards the upliftment of both parties. If that's not happening, and you've given it your best shot, then what's the point? Look at the context too of Jesus' words in the bible, he was obviously condemning a shallow and frivolous disregard the men in that day had of women (discarding them for a better/younger model), which in turn would not only be "heartless" (as Jesus said) but also devastating for the family unit (all because of the men's selfishness in those times). It's blatantly obvious that you have no reason to feel guilt, it's just an emotional thing (not based on reason) that will pass :)