Alex I think your boyfriend is a bum and a jerk to complain about you daring to suggest that he is being carried financially by you,that is the big issue in my eyes.He is being carried financially by you and I think it is a pipe dream that he will make it big musically someday,a focus on the future that gives him an excuse not to work now meanwhile he takes YOU for granted and your money.There is no comeback,no consequences to him not shouldering responsibility so he won't care,not if the cat doesn't get neutered,not how much debt he is in or how much money he owes you.Face it he is dependent on you and can't lose you,so if that means promising you money and kids he will do it,talk is cheap.

The BIG QUESTION is how do you feal, about spending your hard earned cash supporting him while he sleeps half the day and even skimps on doing the chores so you have to think about sometimes doing them but leave them for him cos he does nothing else?
How do you feel about wanting kids and all the responsibilities of them but he can't even get the cat to be neutered and do you still want to be the main breadwinner if you have kids?You said if you are honest your heart isn't into having kids with him.There is your answer.Why continue to shelter him from the storms of life when he is not grateful but complaining and demanding that if the shoe was on the other foot you be expecting it,and he is kind of saying he expects it too off you without setting a time limit on how long this will continue.If you keep doing this at least give him a date by which he has to come good or he is out on his ear earning his own bucks.