What you see is what there is. And, as time goes by, he's going to get even worse. I guess all he offers is a little bit of help with the household bills. I base that on you saying that, if you kick him out, you'll "pay (your) bills and literally have nothing left."

That little bit of extra money coming in doesn't sound worth it to me. You were smart not to have a joint bank account with him. I don't think I'ld be too quick to give up my housing subsidy, if I were you. Think that out carefully before moving home with your mom.

I think you do have a 4rth option. Dump him, keep your apartment and learn to manage your income so that it stretches a little further. Just about anyone can find ways to do that. With you having a small but steady income that is reliable, you can budget better than relying on contributions from him that are totally unreliable. (He's a compulsive gambler. He'll only get worse.)

Dumping him will feel like you're doing something harsh. You're not. His life is always going to suck because of the way he lives it. Don't get sucked down by his problems. You have enough to do coping with your own. After he's gone, you'll eventually get over feeling like you have to take care of him. Gradually, you'll come to cherish being free of his bagage. It may feel lonely for awhile, but you are young and can meet other potential partners. If you get desperate for company, there is no shortage of loser-guys looking for women who'll adopt them. At least, next time, you could pick out a reasonably clean gigolo.

You gave this guy 5 of your best years. Time to cut your losses.