Oh dear, you sound exhausted you really do. I can totally sympathise with you - I know how damaging debts can be, its just horrible.
It really isn't your husbands decision as to whether you have medication or not. FFS - like others have said, he needs to get a JOB instead of fannying about with freelance stuff that isn't working - what exactly is it that he DOES all day now??
You are pretty much supporting everything, if you crack up,and if you carry on like this, you will - then he will have to pull his finger out of his arse.
Are you in the UK? Can you not qualify for social housing?
As expat has said, if you had diabetes he wouldnt even suggest you dont take it.
I can understand he is scared, but its not like it used to be - you don't become a zombie on medication, you just become more able to cope. I have been on citalopram for nearly three years now, they really helped me and saved our relationship, now im coming off them and my DP is lol, he likes the nice calm me!! But seriously though - my DP was quite anti medication because he didnt understand it, but he recognised that it was my decision and actually, in the end, it was HIM who marched me down to the doctors and said that i needed them as i was wary too but i just completely broke down one day.
They wont make your problems go away but they do make you more able to cope.
With regards to the debt, are you getting anywhere with sorting it out?
Please do phone the national debt line, or consumer credit counsel - they are fantastic, and will arm you with lots of information regarding your rights, getting interest frozen on loans etc. We had, and still have, so many scary horrilb debts but talking to the debt line meant that i no longer felt out of control and that we were working towards a solution. It is so very hard and so very draining i know.
Is your DH usually so controlling?