These conditions are mainly geared toward a JW Sister™ separating from a non-JW husband.
The JW husband is supposed to be presiding over his family appropriately, providing for them, etc. If the wife's spending is out of control or their financial situation deteriorates, he is expected to take charge and find a way to provide for his family within his means. It could require moving to a less expensive home, selling a vehicle, taking the bus to work, spending less on material things, working overtime (provided it doesn't interfere with Meetings™ and Field Service™), etc.
If his JW wife is unwilling to cooperate, the Elders™ will consider him unfit for Privileges™ because he is not "presiding over his family in a fine manner". If he were to separate from her it would reflect poorly on him, not on her.
I think a staunch JW husband would rather move his entire family in with his mother-in-law before admitting that he cannot get his JW wife to be In Subjection™ to his Headship™.