The two of them need counseling together and separately,and HE may be in strong need of therapy and medication. It sounds like he is clinically depressed, which is very understandable under the circumstances. If not, and if he is just enjoying the status quo and is lazy, then she has a hard decision to make. Is he at least doing SOMETHING when he is not working? Could he work in her business with her?
This is the kind of thing that wrecks marriages (and not only among the frum).