Monty....

If you find yourself at a crossroads as to what to do (regarding her being arrested), then there is another solution.

Go to your bank. Close out the account. Transfer funds to a new. Simple as that. No need to report anything stolen, or take the chance of her being arrested....However, I do feel that if she's going to play that game, she sooooooooo needs to learn to pay that price, as well.

Theft is theft. Period.
Although, the fact also remains that you have no absolute proof that she did this to you, therefore, you are acting upon assumptions, which sometimes can backfire, leaving you feeling guilty for thinking such a thing...(even though it certainly sounds as though your suspicions are for just cause).

I'm so sorry that you have to deal with this...the fact of suspecting someone of violating you ..and yet not having the proof....resulting in that doubt always remaining in your mind. That IS an awful thing.
I've dealt with this same thing on different levels regarding one of my brothers, a step-son and a brother-in-aw. It's an awful feeling...not knowing if (especially) a family member is betraying you.

I wish the best for you....

Shangrala