Although now that I'm thinking about it. Part of the money in the joint billing account is his. It is used to pay bills but it is still his money so part of me things that if he wants to borrow from it that is his choice. I would be cutting off access to funds to pay bills because I dont want him to borrow from the account.
In a healthy situation, this is true. In a situation where he has an addiction, and he is squandering marital assets to feed it, you would be ENABLING him if you did anything OTHER than cut off his access to these funds.
Put another way, Anned, he does NOT have the right to do things with your joint funds that are destructive to the family. And when he shows that he's continually willing to cross that line, that's when you have to step in and take the steps necessary to protect yourself. In the long run, this is best for you AND for him.