I feel like I am in a different world from the other posters!
I think you are the problem. Your MIL is insensitive but that's all I reckon. I think your DH has a DW problem.
MIL first. If a family member came to me looking for a loan because their boiler broke I'd be a bit
when one of them is a SAHP by choice and they haven't got any savings and aren't able/willing to get a loan from the bank, oh and the SAHP can find time to do a job that doesn't actually pay any real money and I'm "not exactly a high flier" myself. If you can't afford to save, how can you afford to pay me back? Or do you just want to use me as a source of cheap finance? Jog on love.
Why are you determined to make her understand why YOU deserve HER money? Why must you make her see that she is so so unreasonable to not give you her money?
You want to "have it out" so she knows why it is totally unreasonable to suggest that you should get a paying job; that it is so so wrong for her to hint that you should get a job. WTF?!
I cannot believe that you messaged her "asking what she meant?"! It is her money. She doesn't have to give it to you. Suggesting that a non-working person should get a job if they are short of money instead of sponging off other hard up family members is extremely REASONABLE. You were damn lucky she tried to keep the peace by saying something vague about work ethic rather than telling you to get stuffed you pair of princesses.
Now the DH. It sounds like your DH realised she has a point and is embarrassed. "We made the SAHM decision jointly and now it seems he's changing his mind. So because he's changed HIS mind I've got to jump to his tune?" You have no savings, you can't afford to fix the boiler, you had to ask his mum for money. Umm, it seems quite reasonable to reopen the SAHM decision. No?
When you both decided to try life with you as a SAHM, did he know that he wasn't allowed to re-open the discussion if things weren't working? That you'd get all hissy? That if his DM suggested you get a job after you had to ASK HER FOR MONEY that you'd threaten to go NC!!! I wonder why he finds it hard to discuss this openly with you. Jeez.
I am a freelancer and part time SAHM. If we had to ask other people for money, we'd be re-evaluating our choices immediately. FFS you hadn't even properly worked out how much childcare would cost and how much you could earn before asking for a handout (a cheap loan, where the lender would never call in the debt collectors IS a handout even if repaid).
By the way, the MIL might still like you, she just doesn't want to start bank-rolling your lifestyle choices. Everyone's MIL gets a bit snippy about something their DIL does. Yours has a bee in her bonnet about you not working. Some MILs think that dropping hints (maybe via Facebook) to help you notice your mistake is better than saying straight out that they think you are doing the wrong thing. I'm not saying that's the right approach, but it is certainly common with otherwise lovely people.
The moment you asked her for money you made it acceptable for her to comment more openly. If you keep on at her about it or god forbid go NC then I'm sure she'll soon stop liking you though.
You sound like an entitled princess. Have some sympathy for his embarrassment. Learn to manage your money. Stop being a princess. Apologise to the MIL.
clutter your ILs and DP sound hideous.