You have a perfect case for divorce. Various judgments from the apex court consider cruelty as a major ground for divorce whether it is physical or mental. If the conduct of his spouse amounts to cruelty, divorce becomes necessary.
You just need to satisfy the conscience of the Court that the relationship between you and your wife had deteriorated to such an extent due to the conduct of the other spouse that it would be impossible for them to live together without mental agony, torture or distress.
Collect all evidence and witnesses of the cruelty to show in the court.
You are the rightful co-owner of the joint account, she cannot take away the money from it, go for a stay order. If you can prove that the money in the account was solely from you, you can get the whole money as well.