I'm going to be blunt here-but this isn't a conversation.
He knows full well he's not contributing a penny, and he's not bothered about it. There's zero way that he's completely unaware that for 9 months, he's contributing fuck all to your shared existence.
He knows and he doesn't care. If he cared, he'd be asking what his contribution is and should he give you cash or direct debit, and set that up.
Instead, he's sat, for 9 months, hoarding his own money, whilst you've been paying for everything for all of you.
If it were me, I'd be sitting myself down, working out what he owes and demanding that he pays that. And if I were feeling particularly festive-I'd be tacking on the retrospective amounts, too.
He is a grade A cock lodger, and a decent partner, male or female, would not feel comfortable earning just under 100k and pocketing all that money whilst their partner foots the bill for everything.
The fact that you're uncomfortable to mention it to him speaks volumes. I'd be looking to get him out, if I were you because I'd worry that, even if he stuck to it for a while, he'd lapse. I just can't see a way a decent person would allow such a situation to exist and continue. That leads me to the conclusion that he is not decent.