There are several reasons that could be in play:

1. Money;

2. Guilt;

3. Depression.

Whatever the reason or reasons, it doesn't really matter, unless it affects you in a manner where you must take action yourself. If you can live with the current conditions, then you can do nothing -- and if your spouse does similarly, then you're going to live out your lives married to each other. This happens all the time -- perhaps more often than not, so don't think that it's unusual.

Regardless of who commences the divorce, you may be entitled to a presumptive one half of everything acquired during the marriage, including the business interest -- plus spousal maintenance/support ("alimony"). One thing you may want to do to protect yourself, is to make copies of account statements and other valuable assets that are not recorded on the public record (as a real property deed would be). That will make it more difficult for your spouse to hide assets in preparation to divorcing. This also happens all the time, so if you do nothing to protect yourself, your husband may be able to avoid a considerable amount of liability, because you won't have all the facts.

Hope this helps.

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