L_H,
No. You aren't the bad guy - although we hardly know you - you could be.

What you are is suffering from a lot of difficult behavior on the part of your wife - whatever it actually is. Your responses in dealing with it aren't working.
First, its good you left the "manic blow up". A boundary around abusive or violent behavior is paramount. Since you stayed away three months, it's likely she adjusted her behavior due to the fear of being abandoned - and that seems to have lasted over a year. Thats kind of a positive thing - thats a long time without trouble - and gives cause for optimism - unless you aren't reporting some other less major things that took place.
Re the finances - you need to set some boundaries around that which limit confrontation - separate accounts - although you may already have done that? Let her look after her own overdraft.  :)on't keep money where she can get at it. She has no boundaries - it sounds like her parents werent/arent a good model - you have to establish yours - and in a way you may not have expected. That is the thing about living with a pwBPD - we have to adjust our expectations. While my W never "took" my money, she would spend ours out of our joint accounts or drag me into spending ours. Separate accounts has helped a lot. I resisted a long time based on my "expectations".
Re the expectations about plannimg for the future, sharing dreams, etc - you will have to adjust your expectations as well. That's intimacy - and pwBPD are scared of that. My uBPDw has a similar reluctance - but she has to be the most compassionate and interested person in the world when it comes to the affairs - particularly the problems - of others. Go figure.
Do enjoy the cooking, the craftiness, and especially the sex - but do set some boundaries - actions YOU take - not requirements or complaints about her - on things which you value - like a balanced bank account.
Re your mother, BPD IS unlike most other diseases, in that the person with it often denies having it, and doesn't accept the impact it has on others - among other things. So for you to stay healthy, you will need to look at and do things a little differently than your Dad did re your mothers diabetes.