Phileo, that one verse ("wives, submit to your husbands") is possibly the most overused and abused verse of all time.
Also, one of the most ignored and rebelled against in the west. It seems like a concept where many people like to go to one extreme or the other.
The woman owes reverence to God and no other. Respect and submission to leadership have to be earned.
Ephesians 5:33 is translated with the word 'respect' or 'reverence' depending on the translation.
"Nevertheless let every one of you in particular so love his wife even as himself; and the wife
see that she reverence
her husband." (KJV)
According to the KJV, a woman should reverence her husband. Some people may disagree with that translation. I don't see 'reverence' as something only reserved for God. I think people should have reverence at funerals, too. Some people think of the word in a narrower, religious sense. The word is translated as 'respect' in many other translations.
"However, each one of you also must love his wife as he loves himself, and the wife must respect her husband."(NIV)
The word translated 'respect' here is actually, 'phobetai'. It literally translates as 'fear.' I remember in Sunday school as a child how the teacher had to explain that the 'fear of the Lord' is not like the fear of the dark, but a deep reverence and respect for the Lord, knowing better than to oppose him, or whatever was said. The New Testament talks about fearing God, fearing a ruler, and a wife fearing a husband. But I think we will probably all agree that it is talking about a reverence or respect type of fear, not some license that the one being feared is to do things to make the other one fearful.
If your marriage partner is not doing what is right, you still have to do what is right. I Peter 3 gives instructions to wives, starting in verse 1. Notice the instructions also apply to husbands if they 'obey not the word.' So a man can be disobedient to the word, an unbeliever, even, and his wife still has to do her part before God in the marriage, and follow these instructions.
So the respect for the husband doesn't have to be 'earned'--not this type of fear/reverence/respect. There may be other types of respect in marriage that can be 'earned' over time. But saying, "He hasn't earned my respect" does not absolved a wife who disobeys the scripture. If the husband hasn't earned the respect, hasn't God done enough to earn our respect by creating us and sending His Son? Hasn't Christ earned our respect by dying for our sins and rising from the grave? Isn't He worthy of our respect since the Father has given Him all power in heaven and on earth?
Our marriages are to depict the mystery of Christ and the church. When one partner is disobedient, the marriage may not exhibit the glory of God that it is supposed to. But if one individual is disobedient, the other does not have to join in. God's can be glorified in individuals as well as couples.
Especially if the man claims to be a believer, the wife should consider the fact that the Bible teaches, 'Rebuke your neighbor frankly, so that you do not share in his sin." She should point out, respectfully, what her husband is doing wrong. That's the type of thing she can do just as a fellow believer. She may be his wife, but is still a fellow believer. And she shouldn't be sinning or making it easy for him to sin, while at the same time obeying what scripture teaches in Ephesians 5, Colossians 3, I Peter 3 in regard to the behavior of wives.