Is it low self esteem or finances?

Why do women choose to stay in a marriage that's full of cheating? I have a guy friend who's wife has cheated on him 25 times over 30 years. They finally chose to be swingers, I suppose to aliviate guilt... The other couple stopped it after a few times, not sure why... He's only cheated once but it was an actual relationship... he says he stays because there's to much finances wrapped up in the marriage... But why does she stay, she could take half of everything he has?
Is it low self esteem or finances?
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