You may be right. Not sure it's even possible too.
Credit cards yeh in my name. Plenty of cash though in joint account. I can't cut that off.
So every time you get paid for your work, put a certain percentage or fixed amount in an account from which you pay the household bills. Put another set percentage of it into whatever your retirement accounts are. "Pay" yourself - bills and retirement accounts first
The rest of each paycheck can go into the joint general account. That general account is what pays for random spending, vacations, dinners out, fun stuff like that. If it's not in the general fund, it doesn't "exist" as spendable money.
Alternately, rather than a single general spending account, set up a separate personal account for each of you and deposit half of the "leftover" money - after bills and savings - from each paycheck into each of those personal accounts. Get each of you a debit card that accesses only your personal spending account. If she runs through her account balance, then she just has to wait until you get paid again and can deposit more funds. That way, each of you has personal "fun" money but can't spend anything that is earmarked for bills or savings.
Stop using credit cards. If you want to have one around for emergencies, fine, but have a single card that's kept somewhere at home. If she can't stop running up the credit card bill, then she needs to be using a debit card or cash.
And, of course, hold yourself to the same new budget plan. Frame this new arrangement not as you trying to control her spending, but as you reworking the family finances to get a better handle on your ability to save and plan for the future.