Follow your gut instinct....Maybe while married he controlled all the money and now shes "free" of him shes making up for all the stuff she was denied..

But honestly if you really feel that somethings just not right , well there usually is something "off"

I hope you can somehow find out the truth, Mean while go to the bank and get a new card and reset your PIN number and don't let her know you replaced it.. If shes spending money like water, you do need to protect your money.

Good luck !