In some Muslim cultures, any income a woman earns is 100% hers. The husband bears the burden of supporting the family 100%. I wonder if that was how your wife was brought up? That kind of lifestyle doesn't work very well here, where most families need two incomes to get by.

Are there any non-essential bills you could stop paying, like cable? If not, what about letting your electricity or water get cut off? Would she pay the bill on her own if the power was turned off or if you stopped buying food entirely? If you own a house, could you put it up for sale and tell her that you are going to have to downsize to a studio apartment since she won't pull her own weight? Maybe all of these are bad ideas - I hope you can shake her out of her woeful financial management.