OP, you didn't mention in your post what good things there are in your marriage. Do you two get along well otherwise, and do you have a good love life? If you have those components to your marriage, then it is surely worth saving.

If you don't, then it doesn't look good, in my opinion. I know someone who was married to a woman like your wife. She did nothing all day, refused to get a job, never cleaned the house, and never contributed anything to the marriage. They had kids, and she didn't even do a good job of raising them. Her husband thought of her as another one of the kids because that's the way she behaved. She played video games and talked on forums all day long while he worked, and then nitpicked him about everything he did. After years of struggling with her and even going to counseling, it ended in divorce. There was no glue holding them together. She just wanted his paycheck and the security of having a working husband. She now lives with her parents again.

I think that if you love her and you know that she loves you, and you don't want to live without her, then you need to be honest with her. Don't be cruel with your criticism, but tell her how you're feeling. It is completely unfair to you to have to live this way, but she may need help if she is depressed, unmotivated, and/or unsatisfied. I believe you can save the marriage if there is something there worth saving.