In response to the side concern . . . if DH comes home with tags from the name-draw, would it be possible to say, "O.K., fine -- but no dipping in to our money for this. Period." It has to come from extra hours at work, selling off *HIS* items (not items you mutually use or enjoy), a second job, whatever. And if he gets into a bind, no worries! He got himself into it, and he can get himself out.
Would that be possible, or are there too many ways for that to go wrong?