I understand the situation you are in and how it’s impossible to even raise the subject. You end up being so controlled and downtrodden and scared of them.
I ended up having an outburst at members of his family (unforgivable on my part), but it led to us having a ‘talk’ about my behaviour, and that enabled me to say I was unhappy and wanted us to go to joint marriage counselling. He refused, I said it was marriage counselling or divorce, he said “fuck off and get your divorce”.
My outburst was a direct result of the tension in my marriage, but it was certainly not intended, but did achieve the result I wanted.
My ex didn’t care about me at all, and I had grown used to never saying no to him and walking on eggshells as he so easily turned to anger and rage.
In retrospect I guess I could have got to the same place, by simply saying no to something, he would have got angry, I would have defended/argued back - and then mid way said I’m unhappy, want counselling/divorce. Is that something worth considering? Marriage counselling can be a way of ending a marriage as well as saving one.
But beware, if he has narcissistic traits - once divorce is mentioned the gloves will be off and his anger and vindictiveness will be all you see.
Try and get solo counselling and get your ducks in a row (certainly know where all the money is.
I have come to believe that my ex had considered divorce years ago, but when he realised he would have to share things 50/50 - worked out he could live as he wanted, keep me to do all the admin, housework etc, and have control of all the money to spend on himself. His anger and rage were a deliberate way to keep me from daring to ask for anything.
Divorce for you isn’t an if, but a when. I let it go on for 15years too long.