Trying not to mind read here, but it appears that your H's guilt is so heavy that when you bring up business problems he feels personally attacked. He seems so fragile right now.
Question: Do you believe if your H was of clear and present mind that your business would be doing better or do you think the economy is a bigger factor?
I have to say how much I admire you for continuing to try and keep the business afloat against tremendous pressure on many levels.