I did think about it.
Not long after we were married, my wife had a mental health issue, and would at times spend multiple thousands of dollars a day on shopping, well more than $10k/month. The bills were a surprise. We took out a home equity line of credit to consolidate and manage the rates on the debt. We refinanced the primary mortgage to get a lower monthly payment so that we had more cash monthly to address the debt. Counseling for all parties, etc.
Mustachians are by-definition focused on financial concerns. At the time of our crisis I desperately wanted to help my wife, but my efforts expressed themselves financially. I was concerned that if I lost my job then we'd be broke. So in order to ensure that I could provide for her I talked to her about budgets and emergency-funds, and all other sorts of stuff that was greek to her. I thought that having these plans would be as comforting to her as it was to me, but it probably only increased her stress. Eventually what actually improved things was the therapy, and the walking and talking at the dog park, and establishing a track-record for sticking together through the ups and downs.
Yes, the thought of separation certainly crossed my mind at the time, but there was enough love in the relationship (and room in the credit limit) to make bearing the stress worthwhile.
5+ years later, things are much better. She does still use money as a coping tool, but it's budgeted, and she even builds up her own emergency-fund at rate of about 15% of her budget. I'm very proud of her. And she has faith in the relationship b/c we stayed together and worked it out.
[This is getting too long. I promise to wrap it up.]
"But Shuffler," I hear you say, "most people's spouses aren't crazy-pants, so your situation doesn't really apply in general."
Well, maybe. But what I learned was that my good faith Mustachian elevation of the financial issues to being of primary importance was harmful to the relationship. The financial issues were real, and did have to be addressed in time, but right then it was more important for us establish emotional support, have "us" time, regulate my work schedule, etc. Once those things were done, and we had a better (non-financial) grounding, it was much easier to work out a savings plan later. So try to be balanced, and try to be self-aware of the trap of Mustachian myopia.
... all of which is a too-wordy agreement with Mum's "symptoms of an underlying problem rather than the problem itself".
... and a +1 to counseling.
Take care. Good luck.