I’m not young, and I’m one of the biggest advocates for working on a tough situation.
The husband in this case refuses to cooperate. Even so, my vote is to give him the choice to work on himself, or at least try.
10 years is a long time to be tolerant. And the kids are seeing this neglect, so that is only poisoning them to the bargain. If he does not want to be an active partner, its his doing, not ours, not hers.
It should also be noted, that his “joblessness” is 10 years, which might mean the first 5 years of marraige went unemployed as well, where he did little to help out. So in all likelyhood, we are dealing with someone in the 35-40 year old range.
If he has not taken his responsibilites seriously till now, its doubtfull he will turn a new leaf at this age.
Proffesional help will delay the process, and cost $$$.
If the family daas torah says to bail, (or wait 6 months to see if there is improvement) I’d take that at face value.
Sad story, but not one that needs to keep being sad.