The question about the finances really is interesting; until very recently finances were OK for me, and I do agree that that makes a difference, but I can't yet say exactly what kind. It's only now that that is starting to change, so I don't know yet.
The big advantage for me, oddly enough, is that it IS years down the line, and I can look at things like that much more dispassionately. I can also 'fight' for what I need in a much more detached way, which I think is a plus. While it's not fun seeing his bank statements and what he spends his money on, it also does show me that it's about him, not about 'us', nor is he necessarily trying to destroy me 'on purpose' -- he's not really thinking about me or the children at all. He's very much still in "poor me" mode. And his financial management skills are definitely one thing which have disappeared during this crisis.
It's something to do with thinking that counting the pennies is somehow bad, that he "deserves" not to have to do that, it's to do with wanting to be a big shot and having the things that a big shot has, it's to do with wanting to be a big shot in OWs eyes, it's all to cover how he really feels about himself. That much he has admitted in conversations over the years, in those "moments of clarity" that we sometimes see.
This is, I think, why my MLCer has discarded one OW after another, in that search for the lifestyle that he thinks he 'deserves'. It's not about any OW as a person, either.
And yes, I do think it is true that the longer this goes on the lower the chances for reconciliation, but I do also think that that is down to the LBS, because you just get so bleeping tired of it all. I'm slowly letting go of all the other things, such as my r with his sister, my kids r with their cousins has changed, which they are sad about (SIL has decided to 'get used to' this OW, she has no idea about what he was doing before her, and doesn't want to know; cousins don't care, it's not their dad); now that MIL has passed on there is less reason for me to be involved.
The vanishing act is recent -- looking back, it's been happening over the last 6 months. I get that this may be normal at the 2 or 2.5 year mark, which is where my H is with this OW. None of the others have lasted this long. In a way, I think he's started his crisis over and over over the years, and is only now actually going through it.
As ever, I only find out about what he has been doing long after the fact, and going back, there really is a correlation between what is going on with an OW and his contact with me and/or the children. Just before this latest OW I saw that he had some clarity with regards to our children and about things in general, then he ran again. And even last summer I saw that the man I knew and loved was in there somewhere, but then the door slammed down, and yes, I later learned what precipitated that. I do get that he is afraid of the emotional connection.
I also get that monster means that he isn't happy, despite his protestations.
Through it all I really am better, I was probably more of a mess than most here for the first years, before this forum started. The children and I do talk about it, and we are strong as a unit.
Oh, dear, written a novel. Thanks for reading.