My thanks to all responders - I've FINALLY figured this out.
As a side note, a stay-at-home wife to run the household and look after the kids is exactly what he wants and needs. Making money is the one thing he is REALLY good at, and he doesn't mind paying the bills at all. In contrast, taking care of social and family matters? Yeah, not so much.
It hit me. All these years, we have both wanted to be together, but we have BADLY misunderstood each other and miscommunicated the whole way. We've been sort of dating for the last couple of years, during which time he repeatedly said he has "trust issues."
I thought by "trust issues" he meant, afraid that I would hurt him or leave him or betray him. But when we talked last week, I realized that by "trust issues," he meant "commitment." Marriage. I HAD NO IDEA.
My God. I had no idea that all this time, we both wanted the same thing, and that all I had to do was ask (or tell him, provided he doesn't object, which is an excellent point that I will keep in mind). It sounds ridiculous, but the whole thing has just been a huge misunderstanding spanning many years.
The implications are so huge, my head is spinning. We've both made so many wrong assumptions about each other, used the same words but meant totally different things, and completely bungled our communications because we've been so emotional.
He has demanded for me to explain and clarify some things, so we plan to talk again next week. FINALLY, I know what to say.
Wow!! !! !