If you want to run around checking boxes which say, "I have read and understood the terms and conditions [at this link] and then not read them, that is a choice you make.
If you want to provide your credentials to someone without having them read those t&x, then that is a choice you make.
Whether OP's wife knew that she was defrauding UA or not is irrelevant. Simply the product of risks which OP and then his wife took.