Hi Op
I totally understand how, why you and your husband have got into this very stressful, Arkward situation with BIL.
In this situation to get some much needed perspective amagine if your to give sound advice to a good friend in the same situation as yours what would you say to your good friend!!??
My perspective of your situation with BIL is by helping him out financially, job wise,even his living arrangements though done with best intentions..
You are not reallying helping him, these are the reasons why I think this way as followsfollows
a) your kindness is "proping up" his bad habits to such a extent its encouraging him to continue his behaviour as their are no consequences for him to want to change such as being aware that discomfort could happen a reality check..
B) your are treating him like a spoilt child such as having everything he wants his own way in all aspects of his life he doesn't have to think for himself its catered for him
B)your kindness enables him your BIL to see himself as one of live's victim, poor me sort of mentality
The solutions to this problem are to treat your BIL like a friend, be supportive but stand back quite a bit emotionally, such as helping to get back standing on his feet again
Such as BIL visiting Citzens advice bureau or visiting/tel a supporting worker from a debts/money budget advice charity to have advice how to sort out his finances issue.
Also a there are charities that can help people find suitable accommodation for themselves such as flat etc,
Or
He BIL can go flat/ house hunting on the internet etc..
I am not surprised you are finding stressful living and working with a member of your husband family,
Its obviously will be put a strain on your relantship with your husband.
As this arrangement it all sounds to me as if there are hardly or not enough sound boundaries,for e.g boundaries if they are in place??they are so flimsy blown apart rusty that line btwn work/home life and space,time to be a couple are messily blurred, you proberly don't get enough space for to be a couple etc.
Its not healthy or sustainable this kind of living/working arrangement.
Major headache inducing situation really