Our Credit Card is Growing Out of Hand AND I am AFRAID to ask my wife

Credit Card Debt in a relationship that is growing increasingly uncomfortable that is not acknowledged, communicated, heard, or expressed is a recipe for trouble.

Why would it make sense to remain passive?
you could avoid the discomfort of having to ask her about her spending
you would not risk upsetting your wife who often gets the wrong idea
you could keep spending like you are

Why would this be a recipe for trouble?
Could you lose a lot of money in interest, fees, penalties?
Could that money have been better spent on reducing mortgage or other things?
Could your wife lose trust or respect in you as a person or resent you for not being the husband she thought she could rely on?
Could this cause your marriage to gradually deteriorate?
Yet isn't it interesting how we can still fear rocking the boat
Could it be time to look a little deeper into what it is to be passive?
Could it be time to recogise how this can snap into different forms of aggression?
Could it be useful to learn how to communicate this in a way that is completely acceptable to your wife?
TO WHAT EXTENT is being able to work though a concern you have with your wife around your Credit Card Growing Out of Hand IMPORTANT?