how old is she again? cuz you talk like she's a teenager that just got the boot and has never held a job before, much less know much about opening a bank account.
i think it will help if you work on changing your mindset about her and what you perceive as her HELPLESSNESS. cuz babe, she ain't. she knows how to use people, to manipulate to get what she wants. she HAS a job, so she HAS income and can therefore pay her own way. or not. i hear that folks who do NOT own vehicles still manage to get around either thru a van pool at work, public transportation, hitching a ride with someone. you say you want the car she drives to sell and use the proceeds to pay down debt. well that's a great plan, but you do not know how much you will truly get for it, and if the plan is to pay DOWN debt, turning around and buying her ANOTHER car is just, well, silly.