You are stuck. That makes you your own worst enemy. The only way you are ever going to get what you really want is to institute some change. But if you won't do it - then things will never get better. What I have suggested is the most minor of things - but you are so afraid that you won't even ask that simple question. So you settle for crumbs.
You and he have been living together whether you are married or not. That makes him responsible for some of the debt. (I am not that familiar with the laws) but how does he get away with no responsibility here?
I guess you can go on and live on edge wondering if he is going to bolt or not. Asking him a question should not make him bolt but if that's all it takes - then really - anything could do it.
Sorry. Not what you wanted to hear. But what DO you have with him?
