Yes it sounds like he is hoping it will all go away! In one part of your post it sounds like you are ready for divorce, and in other parts it sounds like you are wanting to work it out. I don't know which way you are wanting to go with this, so I will attempt to cover both situations.
I think one of the first things you need to do is see a lawyer and see where you stand from a legal stand point in case it comes to that, you will already know what options you have at the worst case scenario. If you do go that route, you will want to begin things like getting your credit things in order, such as getting your own cards and such and getting him off yours so you will have your own credit established, and won't be stuck with him running up a bunch of credit that you may have to wind up paying for. You may want to start your own bank account and start saving. If you are not working, you may want to begin looking for a job, to be secure and independent from needing him.
Once you have done this, since you have been doing everything, how can you expect him to follow through on setting up an appointment for a counselor? You are going to have to do this more than likely, if you can even get him there. If he is willing to go, and you are wanting to work things out, what does it matter who gets the ball rolling? I know you would feel better and more like he is making a commitment, if he made the arrangements, but since he is not used to doing much more than wiping his own butt, you may not be able to get him to do this either. You will know how much he would be willing to go to counseling, and put his heart in it, more than anyone on here could possibly know. Most women on here can't even get their husbands into any sort of counseling, unless they have caught them in some sort of affair, and they are THEN wanting to make the marriage work.
As the old saying goes, you can lead a horse to water, but you can't make it drink. This may apply to your husband as well. If he is not cooperative, then you may at that point, let him know, and ONLY if you are willing to actually go through with it,(no playing games) tell him you want a divorce, if he is not willing to try and get things back on track. At that point, you would have already seen a lawyer and know where you stand, and just the fact that you have done this, and have gotten your own credit established, might make him realize you mean business.
This is a start. I hope this will help. You can do a search on some of my past post, the ones in archives, along with Realgood2U, and QQQHHH. All have great advice on matters of the heart, and I know I as well as Realgood2U have post talking about what to do to prepare yourself in protecting yourself if the latter comes to past.
I hope this helps. Good luck and keep us posted. I am sure what you do will help others having problems such as you are discussing