Man or His wife: WHO IS AT FAULT?

Man has a medical condition.

A chronic disease.

It requires him to visit the hospital weekly, so as to stabilise himself.

That's what has been keeping me alive so far, he use to say.

He had no one but himself, though a successful builder.

Weekly treatment costs a fortune.

But he cares not, for he would do anything to be cured.

Since life is no plain, it is full of ups and downs.

Influx of contracts began to ebb. Gradually, he started to spend more than he saved, and eventually, more than he earned.

He has a family. Caring mother. She does what she can, and as hopeful as he is.

A wife, too, and three beautiful kids. They all hope he gets well soon. Obviously, they are all threatened by the crushing weight of this misfortune, at least in one way or the other.

Two weeks ago, he got so broke, and he needed to go for his regular checkup/treatment. He had no hope of raising money for the hospital bills save asking from his wife.  He couldn't ask her for he already knew the answer she would give.
"No money", she would say.

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Today, the wife, who has had no cause to check her bank account balance unless there is a transaction, and always write down everything, too, saw an alert stating that a stipend was deducted from her account for "ATM Card Maintenance", therefore her remaining account is...

There, she discovered her account balance didn't tally with her written account. She  found out that a whopping sum of Twenty thousand naira was deducted from her account. She flew to the bank to log a complaint.

After a while, it was revealed that the money was transferred to a certain man — her husband.

Of course, he is the only one that knows his wife's transfer pin. He must have transferred the money and obliterated all evidences of the act.

Exiting the bank, she had become a distraught woman. She felt angry and betrayed. She was crying as she went back home to face her husband. This isn't even about the money, she told herself, it is about TRUST.

How could he do something like that behind her back? Even when he had, why didn't he mention it at all, until she found out herself?

When she saw him, she asked him why he had chosen to betray her, why he never told her, after all she has gone through with him? The husband returned that he knew so well she wouldn't help.

She retorted that she could have left or done anything all these years when he had been struck by this disease, but she is still with him, enduring him and his antics, complementing him, yet he is being ungrateful. 

Soon, both went quiet after a heated argument on what should have been this and that and who was right.

In the end, he said he had planned to return the money before that day if not for those that hadn't fulfilled their promises to send him money, and he will return it as soon as possible.

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In your opinion:

● What do you think of the husband's/wife's action?

● Do you think he is right?

● Do you think the wife overreacted?

● Finally, who is at fault?