Lots of idiotic moves from your end made your wife smart.
She left you and it has been 3 years and you should have filed RCR based on desertion. And later on filed divorce petition based on desertion as she is the person who left you.
Now that she has filed divorce, you just agree to give her divorce, without paying any money to her, as she is the person who has filed for divorce and does not want to come back.
It is a golden opportunity, just agree for MCD and be a free man again.
Now that she is asking money, which you cannot afford to pay, you can as well bargain on the price for your freedom. Sit n talk, bargain, pay em, be free.