This sounds so like my situation (from leaving me to pay for everything for the children while he spent a fortune on himself, to the non-confrontation and coming-to-bed-late, despite protestations that he loved me) that all I can say is go and see a solicitor, at least to set your mind at rest as to what the outcome of a possible divorce would be.
I kept thinking that things would come good again, when he sorted out whatever problem he was having (turned out he was having several affairs). But in actual fact what he was doing was rather than taking the initiative and leaving, he was biding his time until I couldn't stand the atmosphere any more and kicked him out.
I stayed in my marriage for too long and in the process my ex drove me to suicidal thoughts, too. I ended up in counselling, and have blubbed on the phone to the samaritans more times than I can recall.
In staying too long, I allowed my self-esteem to be eroded to such an extent that I am still having problems more than 3 years on from the divorce, despite being with a wonderful new partner.
It's so hard being where you are. I kept thinking "I can do this, I can stand it for one more day" until eventually something inside me snapped. I recall conversations with a divorced friend in the run-up to my decision, during the time when I knew I was desperately unhappy, and had already been to see a solicitor, but still wasn't sure if I was ready to chuck in the towel yet and she just said "then no, you're not ready. You'll know when you are." And she was so right.
I wish you well with whatever you choose.