Laws vary in different jurisdictions.
English Common Law
No. Coparcenary was an estate that comes into existence when two or more daughters inherited jointly and equally from one ancester. Coparcenary estates were a complicated feature of English common law. Briefly, a coparcenary estate was an inheritance derived from an intestate estate (without a will) when there were no surviving male heirs, only female heirs. There could be no co-parcenary between male heirs since the English law of primogeniture provided that the land would descend to the eldest son.
A special feature was that either of the coparceners could partition the land, or, force the sale. That feature was not available in early common law although it is available today in common law systems based on English Common Law.
Coparcenery estates were not relevant in America since the law of primogeniture was not widespread in Colonial America and had practically disappeared by the time of the American Revolution. It was entirely abolished in 1798. Thomas Jefferson was a strong and persistent champion in its abolishment.
India
Yes, in certain cases. Parcenary is a more current issue in India and a more complicated issue since India has a system of land ownership governed by both civil and religious laws. There are also different categories of title to land in India. Laws passed in twentieth century India that sought to equalize the rights of widows and daughters have had mixed results. See related link for a 2005 Amendment to the Hindu Succession Act of 1956 that addressed coparcenary property and women's rights therein. This topic will be left to a contributor who is more expert in the laws of India.
wife
It would be safe to assume that the wife is entitled to the entire estate. As long as she is not shorting debtors, she can spend some of the estate's money, as long as she is keeping good records.
The estate of the husband would be responsible for paying the fines. The wife's inheritance will be less because of this.
If the card is in his name, only, there may be an out. You will need to get legal help.
She is not directly responsible. The estate is going to be responsible. And since she will likely be getting the bulk of the estate, paying off the debt will reduce her amount.
In Virginia the estate will be responsible. The spouse indirectly will pay, as they cannot inherit until they are resolved.
In Arizona the estate is responsible for the medical bills of the deceased. Only after they are resolved can the estate be closed any remainder distributed. So the wife cannot inherit anything until the bills are resolved.
She is not directly responsible. The estate is going to be responsible. And since she will likely be getting the bulk of the estate, paying off the debt will reduce her amount.
While the estate has primary responsibility, in most cases the debtors can hold the wife responsible. They are deemed to have benefited from to goods and services.
Indirectly she will pay for the bills. It is the responsibility of the estate to pay the bills and she will inherit whatever is left over.
In Florida the estate will be responsible. The spouse indirectly will pay, as they cannot inherit until they are resolved.
In Oregon the estate will have responsibilty. The spouse indirectly will pay, as they cannot inherit until they are resolved.