Hello playa4life and welcome to a2k
Well, it looks like your wife is not willing to uphold her end of the
bargaining. Entering a marriage comes with responsibilities and pleasures,
and both you and your wife should sit down and assess what is important
in your marriage and what you expect from her, and she can expect
from you.
If she is unwilling to go to counseling with you, telling you to seek sex
outside of the marriage, then why is she married to you? For the financial
security?
Regardless of the outcome, you need to talk to her and explain to her,
that her continuation of rejecting you will have consequences, and then
stick to it.