N.S.
I cannot tell you what to do about the finances since I am far from being an expert in these matters. But have you tried looking into homeopathic meds to help wean the addictive behaviors? They are far more effective than any med you can get from a conventional physician. I have personal experience with this so I am speaking first hand. If you would like info I would be happy to give you a private referral of someone who is awesome. I am sorry your husband is having such a difficult time with this. Stay strong and try to stick behind him if you have the stength to do so. He needs your support now more than ever before. Good luck and may G-d grant you strength and clarity.