What is the Sharia ruling and the solution to this problem, where a woman defrauded her husband for three years by obtaining money from him under the pretext of lending it to others, while she spent it herself? And what is the legitimate way for the husband to recover his money from her, especially since she has an inheritance and her husband is in financial difficulty?

The wife has a right to food, drink, clothing, and shelter, all in accordance with what is customary. If the husband does not provide these, she is permitted to take them discreetly, within reason, enough for herself and her child, based on the hadith of Hind bint Utbah.

As for anything else, she is not allowed to take anything from his wealth except with his permission, because doing so constitutes consuming people's wealth unjustly and consuming a person's wealth without their consent. Allah Almighty says: "And do not consume your properties among yourselves unjustly," and the Prophet, peace and blessings be upon him, said: "The wealth of a Muslim person is not lawful except with his willing consent."

If the husband is fulfilling his wife's rights, then her actions would involve forbidden things such as lying, deception, betrayal of trust, and incurring the husband's displeasure.

She must repent and return what she took from him, unless he waives his right. She must also seek his forgiveness. If she does not do so, he has the right to take from her wealth an amount equivalent to what she took from him, even without her knowledge. This is known as the issue of "al-Zafar" (gaining possession of one's right).