edit - sorry ShaniFaye, we must have been posting within minutes of each other
It sounds to me like she is depressed. Not in the sense of "oh boo hoo, I'm sad", but in the sense that she has shut down and given up on ambition, drive, life.
I'm not giving her a pass, mainly because we don't know all the details. It could be laziness, but I doubt it. At the core, some people are extremely goal and purpose driven. When they perceive themselves at a dead end, and when life may not currently provide the information they need to focus their inspiration in a new positive direction, they literally shut down or immerse in distraction. Sometimes basic needs, family, and survival are not enough to jolt someone like this out of their rut because they no longer recognize opportunity or hope. Sometimes tough love is their only hope.
Have either of you seen a therapist? Was there an event that you can relate to when these changes in behavior started to surface? There could be a number of physiological and psychological issues that are contributing to your wife's behavior. But again... she may be just plain old lazy.