It is deceitful to hide accruing debt from your husband.
Tracy keeps buying things using Ted's credit card, but she's not keeping track of her expenses.
Tracy wants to keep buying stuff with the card.
Tracy lets Ted know that she is buying groceries with his credit card.
Tracy buys a Peleton Bike and a Louis Vuitton handbag with Ted's credit card.
Ted is able to come up with a plan to pay off the debt in a reasonable period of time.
Ted eventually has to file for bankruptcy and sell some of their assets to debtors.