Husband constantly broke and going into crisis mode. Is it time for tough love?

Husband has severe anxiety. Deliberately Chose easy job with low pay because he says he needed a break from hard labor work. Wife pays 100% of rent and utilities. Pays when eating out. Pay is for most household needs. Husband pays his own car payment, car insurance, food through the work week, and makes 3 credit cards payments each month. No kids. He’s still drowning in debt and his anxiety is up, he’s freaking out. Is it time to tell him to get a better paying job?
Husband constantly broke and going into crisis mode. Is it time for tough love?
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