I still say that if he's the "face" of the business at any point, and giving rude service, I say call and complain. You don't have to even say you know it's her husband. Think about it this way. Have you ever gone into a restaurant (or any business for that matter), received bad service from the wait staff and then complained to management? How do you know that the wait staff in question wasn't related somehow to the management? Let's say you did know that, would you still complain? If this was your business, and you had employees that acted the way he is, would you want to know, or would you rather have the customers keep their mouths shut because "It's none of their business?"
No one said that if you gave the lady a heads up on the service received that she would divorce the guy. Not even sure how that little scenario came about. I just know that if I had unhappy customers based on anyone representing my store, I would want to know about it...even if it turned out to be my husband (he would be demoted to trash detail BTW).
At least give the lady a chance to deal with the situation. I would rather receive complaints and have a chance to rectify them than to wonder why I'm losing business, and think it's based on the product sold. If she's given this information, and still has Ronnie Rude dealing with customers, then it's her ship to sink.