this relationship sounds so awful. He's an addict, you're addicted to him. Hell.
You say he does his own thing eg eating alone etc - what, always? or currently?
It does sound, though, that he entirely pleases himself. Just out of interest, but would you have wanted to be married? YOu have (had) the rings but you haven't actually married - is that how you wanted it, or he wanted it?
You are doing all the work (including literally doing all the work in the house) - and he does nothing. Just pleases himself, runs up debts, refuses to acknowledge reality (to the point of shielding the 'truth' at the cashpoint); while you're scurring around, enabling his addiction by covering for the chaos it creates. All in the [entirely] deluded belief that one makes sacrifices in relationships. Well yes, but not to this extent.
Have a look at CoDA , which may help you to bring some stability into your life. Your life, that is. imo he is not interested in stability of any kind in his life; just doing his own thing and fuck the consequences, it's somebody else's fault.
(If you find it hard to do it for you, then please do it for your kids.)