dior, money-wise you always cope. you might have to go without some things. i have to but dd doesn't and that's what matters most to me.
being totally totally frank, it's the least valid reason for staying in a situation that is clearly making you so very unhappy.
you've become so used to your H controlling things/you/life etc, that you're struggling to take back that control. that's why you're waiting for him to make the decision.
in fact, he's already offered to make that decision with his threat that made you go on holiday. things is, you went on holiday so that makes me think you're not ready to separate regardless of who makes the first move.
OTOH, are you able to put thoughts of breaking up aside and build a future with this man?
i feel very much for you as you do seem to be between a rock and a hard place. it must be tremendously hard to be in that situation but one way or another, you've got to jump sometime.
ps: you're gorgeous and I would do a CashNCarry on your H's arse if I could.