Hello.
If he has been in financial difficulties for years and treated you like this, it's NOT going to change overnight when he does get some money through (if?) because quite frankly he's treated you like this since you met.
I feel as though I should be telling you to walk away but something is stopping me..... I'll have a think as to why.
He owes you money that he hasn't paid you back, I assume he intends to do this once this money appears?
Do you think that once this money does materialise, everything will be better? It sounds to me as though your 'relationship' has been hard work for you, from day one.
You're craving affection and to manage to have 2 DCs must be nothing short of a miracle the way your sex life pans out.
What is it that YOU want? Put him out of the equation, and your children and think about what would make YOU actually, deep down inside, skip along with glee instead of putting up with being used like this.
He's not in love with you and you are not in love with him, sure, you may love him, have feelings for him but he shows zero respect for you, there's no intimacy, no nights out, even just to a local pub if you'd saved up for a while.......
Reading your OP make me wonder why you are still there, I hope it's not for the sake of the children.