It sounds like he is fond of you and he thinks you're great.
That doesn't change the fact that he doesn't want to blend his life / finances / time / etc. with you. You could be as interesting as Mary Beard with the looks of Helena Christensen, crossed with a billionaire, and he STILL would want to be single.
THere's nothing wrong with you, or him. You're probably both wonderful people. But you and him have a misalignment on what would make you happy in a relationship, and as such, it's time to get honest about that and release him to find someone who is happy with him.
I'm sure he would be horrified to hear that you feel you're in hell with him (per your username).
I'm sure you would feel uncomfortable asking him to fundamentally change what he wants in life, in order to make you happy.
So be kind to him and yourself, and cease contact with him.
He's not "using" you. Don't let that sexist bullshit pollute the story you're telling yourself - sex and intimacy is not something that is supposed to be "paid for" with lifelong commitment. He is allowed to enjoy spending time with you, without wanting to do the whole "life partners" thing.
This situation isn't working for you. And it's not working because of something on his side, that you can't change. Accept that truth, take steps to change things for yourself.