True. But you can start now, not waiting for therapy. Even if he gets angry and fights, there is nothing he can do. Make sure your credit cards are in your wallet. Don’t give it to him to buy something for himself. Keep everything away from him and only spend your half on rent and utilities and half of groceries. The rest if he wants like extra stuff like clothes or outings he is to buy it himself.

You don’t need therapy for that. If he likes to eat out often he is to pay for it. Otherwise he’ll eat at home during work week like everyone else (with weekend dinner out or brunch/lunch outing on the weekend like everyone else).

You don’t need to wait to see couple therapist. He is 47. Grown man. This is common sense. Nothing much to explain. I’d not advice to shame people but if he keeps pushing, time might come to mention its very uncommon for a grown man to ask women for money and expect women to pay his way. Kind of shameful.

Yes your brain on drugs. Lol here your wallet is on fire. Just say no to him and he’ll need to deal with it