OP, I have read the whole thread, and can identify with a lot of what you report is happening to you, because I am a survivor of this type of relationship. Like you too, I minimised it, excused his behaviour, didn't want to 'break up the family', and had such low self worth I didn't think I deserved any better. But, like you are now, I woke up to this being abuse, thanks to the wonderful women of MN, and I got out. It wasn't easy, but I am so happy being free and independent now. I can do anything I like, go out, spend money, see friends, whatever, without fear of his reaction. Imagine how that would feel?
It is telling that you can't even make a simple phone call or spend a pound without facing his questions, moods, and control. Well done for doing this anyway.
Have you heard about the cup of tea analogy? If you had a cuppa in front of you, and 95% of the liquid was normal delicious tea, and the other 5% was shit scraped off the side of the toilet, would you still drink the tea? This is your relationship and your perception is all skewed. In fact you probably only have 5% barely normal, and 95% controlling and abusive. The 5% seems amazing because it is contrasted so strongly against the shit.
Google "trauma bonding". I think you will get some insights from that.
Also, there is a sticky thread at the top of the relationships board, about seeking help from Womens aid and going into a refuge. You should read it for info about the process. You don't need to jump into a big decision now, because that is scary, but your eyes are starting to open, and you can carefully bring support around you and get advice on practical things in the next few weeks, such as WA, and the CAB etc.
@12345kbm you have given amazing support to the OP here. One of MNs best. People just like you helped me a few years ago and I cannot thank them enough.