Hi OP,
I was in the same kind of marriage as you. Please don't feel guilty. Truly.
My marriage lacked emotional intimacy. He was a good man, a good dad, we were financially ok together, nothing hugely "wrong". "Just" a lack of emotional intimacy.
I realise now that there was nothing I could have done to save my marriage. Nothing. I tried and tried, but I couldn't control how HE felt. And he took the closeness away. I couldn't make him bring it back. It wasn't a conscious thing on his part, but now we aren't together, he admits he hadn't loved me as a wife for years. He just didn't have the courage to say. I ended up meeting someone who I did develop emotional intimacy with too. It felt awful and as if I was torn in two.
Like you, I was scared of change, didn't want to feel how I felt, worried about our DD, was scared of finances. You know what? NONE of that was as bad as being in the marriage, knowing that our marriage had lost intimacy and that I could potentially feel it with someone else. That was the worse feeling in the world.
All the practicalities have been fine, ex and I get on well, DD is doing brilliantly.
DD knows that ex and I love each other very much. As friends and family. And we still are friends and family. Ex goes for beers with my DP and we all.spend Xmas together etc.
Sorry for the me-rail but I wanted to tell you that I get it. There is light at the end. If I could have changed my marriage by magic, I would have too. But in the end, I couldn't. The intimacy had gone.
It's ok for things to have changed. It isnt ok to be in a marriage where your most fundamental emotional needs aren't met. PM me if you like 