Imprisonment is mainly a punishment imposed by criminal law courts. Although other courts can give prison sentences, non-criminal court imprisonment is mainly for contempt of court. In other words, you don't have to worry about the divorce court sending you to prison. If you're charged with credit card fraud, the charge will come from the district attorney, ie the state of Texas, not your wife. Assuming that you've confessed to fraud in official documents, you should speak with a criminal defense attorney IF the district attorney decides to move against you. But to actually answer your question, I don't think jail is a major problem here.
As to your joint account, you both have a right to that account so it's absurd that you should be held liable for taking money from that account when you have as much right to the money as she does.
Finally, the extraordinary amount of money your wife is asking of you should be contested in court. The court can demand that you pay some money, most likely through alimony, or spousal support.The court can also apply putative damages in order to punish you for breaking the law. The court, however, will be interested in equality and if the amount your wife is asking for is truly greater than a reasonable amount of spousal support or putative damages, than the judge can reduce the amount you must pay. I suggest you consult a family law attorney to sort through this mess. Best of luck.
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