Mcd -- pdc issued

1. Define 'cheating' vis-à-vis facts for my benefit as it is a very narrow question of Law. 
2. If now you say you lack funds then one can always admit the same and humbly pray for giving time which is normally allowed as cooling period in MCD is 6 - 18 months.
3. Your option is para 2.
4. If you donot humbly pray and seek option as stated in para 2 then Court may dismiss the MCD of parties.
5. S. 138 NIA case cometh into picture if you donot pray as mentioned under para 2 and Court releases PDC to wife and moves on to Second Motion in a MCD proceeding. It is referred to as pledging marriage collaterals and the husband who does so is supposed to fulfill the same which is social Laws in motion akin to Newton's third law of motion in usage for familial persons. 
6. Pray to Lord Hanuman, use good contacts of friends, relatives and family to cough up enough funds in Bank before Next Date of Hearing (NDOH) to honor PDC amount(s) and done with MCD as once you slip up the golden opportunity of Divorce cometh your way via Mutual Consent route when she is cold and not has filed other family law cases then you cannot have same opportunity under contested divorce and then do pay attention to lost youth read with who knows she may act smart and pile upon you Criminal / Civil Family Law cases just to stir and shake you up. 
7. By saying to me you were the only saint in this marriage does not evoke enough sentiments - emotions as it was after all your marriage and husband's donot pay PDC just like that to get divorce is also some say is devil's view.

[However I am still interested to read your definition of 'cheating' vis-à-vis facts mentioned here as your brief.]