NickyNora there is not much more you can do. You've suggested couples counselling and he won't do it.
The only thing I can say is that you will get a lot out of getting your own counselling and that might, MIGHT, help in how you address things with him.
I've been in the same situation as you for years and am watching the best years of my life slip past. That's what scares me the most.
My wife has stonewalled me for nearly ten years. I think she genuinely doesn't have a clue how to address difficult issues because she was brought up this way. She admits she struggles to communicate and "that's just the way she is". She's always said the right things about seeing someone together and addressing things, but she's delayed and obfuscated for so long that it's ground me down.
I love her to bits and live in fear of splitting the family up, but staying with the status quo is a horrifying alternative - and I don't use those words lightly. I cannot watch myself turn into a shell of my former self. Like you, I do not want to be the one complaining and whining all the time.
I've seen a few counsellors myself over the last few years but it is only recently that I've found the right one. She is simply amazing. The most crucial difference with her is that she has helped me to return to my true self: More positive, more comfortable in raising these difficult issues after years of being ground down by the stonewalling.
My wife has FINALLY agreed to see someone together. Better than that, she wants to see someone to address the deep seated and unresolved issues she has buried for so long. I think the reason we've got to this slim chance of survival is that I've found the right counsellor to speak to myself. I can now address things in a manner that means my wife has nothing to hide behind. Crucially the counsellor has helped me get my confidence back and helped my realise I'm not being unreasonable. I'm realistic that we still have a long way to go, but I want to make sure I've done everything I can to save the marriage.
Of course, if you've got to point where you don't want to save it any more, then you already have your answer.
Don't ever give up, but be true to yourself and if it's over, then be brave. (Easier said than done)