> She has to come up with $550k to keep the house, effectively paying off half of Johnny's gambling debt as well as buying out the difference between the house and the financial assets.

It is even worst - Jane has to pay half those debts even if she dont care about house. If assets minus debt go negative, which they do in case of gamblers, partner is in debt.

That is why the forst advice to partners of gamblers is to divorce asap. Because they easily end up paying for years.