You've listed one fear after another for reasons you can't drop the rope. Your H has you on such a short leash.
T, let me tell you this:
I was a SAHM with ZERO income when my H left me .... both times. Both times, my H cut off our funding. The first time, he served my children and me with the equivalent of eviction papers.
I simply cannot get behind you when you say you can't set boundaries because your H will stop paying bills. Some things - like your dignity - are far more important. And PS you have a supportive family.
For the record, the second time my H cheated, I knew full-well (because of our experience the first time) that he would cut all support except a tiny amount to show the courts his "good faith effort." At that time, I didn't have a job and had four children dependent on me. But I still told H to leave the house that he, alone, paid for, and I promptly changed the locks.
I had supportive family (who couldn't afford to house my kids and me), and I knew there was a women's/children's shelter nearby if it ever came to that.
What are YOUR priorities?
M: 40 H: 44 Married 14 years S11 & D6; D20 & D19 from previous M 2BDs/PAs, 8 years apart Piecing: April 2014