Stephanie T, In my 60+ years on this earth I have heard many stories, many reasons and arguments for and against divorce and who is to blame for failed or impending marriage failures. Living apart is not the answer to solving any kind of problem. A good councilor will help both parties sort out their problem(s) and the final decision will be theirs. Blaming a failed or failing marriage on cd'in is not the root cause here, there is another problem or problems lying under the surface.
Being held hostage by a monetary threat does not solve any kind of problem, it only adds to it. You have to decide if you want happiness. No one said this was going to be easy but it does have a way to resolve itself. Move forward seek help and a solution will follow.
Molly