Re finances -- unless you are legally separated, having a draft of a D agreement isn't going to make much difference. As long as H continues to run up his debt, it is your debt too.
When I got D, I had about $13,000 of debt. It was student loan debt for money that both H and I lived on, and credit card debt that we had split. In other words, it was all old shared debt. XH also had $13,000 of debt. $2000 old credit card debt and $11,000 for a car he bought his GF. Guess what, the debt cancelled out. It was all joint debt because it was debt that happened during the M. Actually, I was lucky that I got away with calling student loan debt joint debt, because that is one thing that they'll stick one person with. Legally, until you have some sort of legal financial separation in place, you are financially one person, pretty much. Tinkering around with direct deposit and rights to accounts can help you manage money a bit. But if H runs up $50,000 in credit card debt, half of it will be yours. (Of course, I'm not a L and different states may vary, but as far as I know, this is pretty much always the case.)
