Don't apologize, we're just anons giving you unbridled third party perspectives.
Go gold digging and get a guy who can ACTUALLY help you get out of debt if your reason for staying with him is financial dependence. It sounds like he is more of a drain than a contributor to you.
If you guys can't sit in an empty room together for a few hours with no form of entertainment other than each other (physical entertainment banned from said empty room) and have a good time then you simply shouldn't be together with this person. Call me idealistic, but I've seen enough successful relationships to know that they're possible and that the above mentioned is true in 100% of those cases.
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