The Capital One website also says, in the same paragraph you reference that says "Most of the time, no.":

"Also, the bank will likely not authorize a deposit if the name on the deposit does not match the account owner’s name, as this could be an error or fraud."

That's a good question - the landlord could potentially add additional fees on top of the unpaid rent, but as far as interest goes, I'm not sure. But if OP can't afford the rent and can't find a subletter, IMO it's best to cut losses, find affordable place to live before his credit score is affected, and go from there.

OP, as long as your wife's name is on the lease, she doesn't just get to leave you high and dry with the rent.

Is your wife's name on the lease? Then she's also responsible for the rent. The landlord can come after both of you for the unpaid rent. Talk to your landlord, tell them you can't pay, terminate your lease, move to housing you can afford. They can't force the 3 months of rent out of you, they have to file a claim for it.