As always, the Grans have rallied and given you excellent advice and support.
To add to what has already been said… Getting legal advice to be clear in your mind where you stand might make you feel more confident about broaching the subject again. You don’t need to tell him you’ve researched. Please read about Narcissistic personalities to see if that is what you are dealing with. We discover a lot about a person when we cohabit. As a last resort, do consider getting a friend to mediate. Does he have fair-minded, forthright friends? If not, I wonder if he’s always surrounded himself with people he can treat as suits him best.
The only new comment I’d like to add refers to him protesting that you don’t trust him. Is he unaware or avoiding the logic that you can’t trust him, because he unilaterally changed your hospitality from temporary to permanent; just because he doesn’t want to find his own accommodation right now.
Women on this site often say they need to put their big girl pants on. They make them for boys too! Is he really unaware that adults pay their own way for fundamentals, regularly and on time?
I wonder if, after 21 years, discovering this side of his personality has thrown you. Are you hanging on to what you thought he was? I hope you can resolve this without either of you feeling resentful. Is that likely? If not do you want a future of resentment gnawing away?
Wishing you the very best of luck.