Marriage Isn't So Bad....

I have been married for 13 years.  We do not have anything horrible in our relationship.  We have never cheated, or been abusive, and we have 2 kids that have a decent life.  I work a great deal, and it is all 12 hour night shifts.  This alone has not been easy, but I am still on this shift to be home during the day when the kids need someone.  Our physical relationship is ok.  The only problem we really have is finances.  My husband has had, lost, or left several jobs in the past 13 years.  It has been a roller coaster of fear and more overtime for me with every loss.  I did it and he actively tried and did succeed in finding work everytime before the unemployment ran out, several times in just a few months.  This time was worse.  There seemed to be nothing for him so he decided to try something new.  He started to sell insurance for a big company as his own agent.  This may sound great, he did pass all the tests and did well with that.  He sold the policies he needed to become a 'member' and he opened his own office.  Then 2 days ago I received a notice that stated one of the credit cards mail adresses had changed to his office address.  Since this card had been payed off, I asked him about it.  He admitted that he had charged over 7 thousand dollars on it to get 'leads' for the business.  He admitted to 'losing track' of the escalating amounts.  He did not apoligize.  He still does not think he has done anything wrong.  I worked a great deal of overtime to get us down to one credit card bill and was working to pay that off also.  Now we are right back where we started.  I told him how upset I was, that I could not take this anymore and he said nothing.  I asked him if he cared at all and he told me I was treating him like a child.  I am terrified this business will fail and leave us in the deepest hole yet.  I have sought out counseling for us already.  He does nothing in the house and hardly ever did.  I even mow the lawn. He is a good Dad.  I just don't know how much more I can take of the ever deepening hole he is digging for me to once again dig us out of.  Anyone have any ideas?  I do love my husband.  I want to believe in him and trust him, but I don't want to get used by him.