Sounds to me like your married.. Welcome to the long term relationship club.. In a struggling economy, Why should she give a shit about everything.. She content.. Maybe you can have sex without cumming in her snatch, or wear a condom for easy clean up. What if you didnt even have water or hot water to bathe? Maybe you could run a nice bath for her. Sounds to me like your not being very creative.
It's easy to place the blame, it's hard to take responsibility for what your doing wrong in the relationships. Relationships only go bad when BOTH people stop putting effort in.
is she depressed? I can see not changing your clothes, washing up, stinking for a few days and snapping out of it. But not a continuous thing. Dont you spread out tasks that you can both do, or do them together. How can she be rough on clothes if she dont do anything??
If either person cannot 100% accept the other person, then there is no reason to think, ponder, worry, etc. about any of the problems. It makes absolutely who said or did what .... there is no reason to place or accept blame. Without 100% acceptance there is no reason to continue a relationship unless it is purely recreational. Have fun, take care, and play safely!