I was recently in this situation. When the financial infidelity continued, my deal breaker was when he took my savings to stay afloat- without my knowledge or permission. It was a major trust issue, and I chose to leave the relationship rather than sink further into debt with someone who would rather ruin my finances than learn to manage his own. It ended up in court- where the judge granted my full amount. I’m still awaiting repayment. Unless this guy wants to change for himself, she might want to get out now. I tried. But you’re so right: one person can’t fix it alone.