"Otherwise the men are setting themselves up for a lose:lose scenario regardless of what the wife does." - Of course.
I mean, the most rational win:win thing to do is to get an HIV test and get treated if positive. They then both don't get sick and die and can't pass along HIV. Many people don't do that either. What's the mindset that explains this behavior? You can't work backwards from the most rational thing to do to what people actually do.