Of course she doesn't owe me obedience. That, like the midwives, is what the higher and lower laws are all about. As with the Egyptian midwives they didn't obey Pharaoh and God blessed them. I would also venture to guess the same would happen with my wife for refusing to go through with my scheming murder plot. That doesn't mean they are not committing sin. They're in fact are by refusing to obey authority. It's just that it isn't as high of a sin.
You, and MacArthur, can't hide behind a coward's absolutist interpretation of Romans 13.
There is nothing absolutist about it. Romans 13 plainly states that we should obey authority. 1 Tim 2 says we should pray for those in authority. You have offer no plausible counter interpretation except simply to say this refers to church authority. No commentator that I can find would agree with your interpretation.
David had a high regard for authority. On several occasions he had an opportunity to kill Saul, yet refused. Keep in mind that Saul was running around the country killing the priest of God, yet David did nothing. Finally when someone lied to him saying that he killed King Saul, he had him executed for putting his hand to the "Lord's anointed". By your logic David was irresponsible and culpable.