I'd like to comment just on the part about your husband taking over your SSDI. Banking is sophisticated enough now that you can set your account up to get alerts if the balance drops below a certain point or to remind you that a certain bill is due.

When you say that your husband has "taken over" your SSDI, do you mean that he is the "designated payee"?

I wouldn't agree to this if you have no history of spending problems. Most of the people who get into real trouble with money are doing it with credit cards and credit lines or even more extreme things like second mortgages or selling off assets without their spouse's knowledge.

If your husband is concerned about your family finances then he needs to take a look at your accounts and your bills and regular credit reports.

Your question about going from one risky behavior to another is interesting.