I understand that "divorce" maybe not be where you want to go and that you still love him, but.... Love alone cannot make things alright.
At this point if you stay in this situation, because he is financially tied to you this way, you are going to go down with him. If you separate yourself from his down spiral, you have a chance to make your life go in the direction you want it to. There comes a time when you have to think of what is best for you.... not just what your heart wants.
Checking out your options can only help in at least knowing what you can do if you so choose to do them somewhere down the road.