Saveus - You re having a hard time deciding what to do. Not to mention spending all of that money to file for a divorce, in the back of your mind, you really don't think will ever happen anyway.
So money is tight, why waste the money? And you are thinking she will change.
She will ONLY change when she wants to. She will only change when she is ready. And that is common with a WW that has mental issues. Whatever those issues are. Be it drugs, alcohol, childhood abuse or a number of others.
And your wife most certainly has some kind of issue considering this is her 2nd affair. That is not normal.
She needs to be ready to change right now, otherwise your future is exactly what you have today.
Do you think your wife is suddenly going to change...no, she will not because at this time, she refuses to believe SHE has any kind of problem and also she refuses to go to any kind of IC.
MC would be a constant fight, she already blames you for everything, she is already saying things like HOW can she ever trust YOU.
How can you ever get over this.
Those two phrases out of her mouth are defeatist already. She acts like she doesn't want things to be better, because her words are already showing defeat.
Maybe she just wants to be single, at least that way she wont have to answer to you or anyone else. She seems to like that.
Right now, you need to write her that letter of yours...a new one. And this time, no emotion at all.
You lay out what you expect of her.
1) Change her phone number right now, there is just no excuse for this OM to be able to contact her. There is no reason in this world, you as her husband have to be subjected to that kind of crap from some other guy.
2) She explains once and for all why two affairs in three years.
3) She take 100% blame for her affairs. They were her choice and you had nothing to do with it.
4) She goes to IC. She needs to understand what the hell she has done this year alone. Spending the night with some OM. Leaving you and going over there, etc, etc.
And I am sure you can think of other conditions.
You need an end point here. And you need 100% information, you need to know when she is talking to the OM. When she is seeing him. And you need concrete legal advice right now. I don't know the laws of your country, but your wife should be on the hook for half of the bills including house payments.
If your wife shows no indication she wants to move forward and grow up, than this is your future.
Your future with her as she currently is, is more affairs, more games, more OM, more blaming you, and more drama queen.