Yes, my ex was and probably still is like that. He kept saying we were on the verge of bankruptcy. I made an appointment with a bankruptcy attorney who reassured me that we weren't anywhere close to having financial difficulty let alone bankruptcy. That didn't convince my husband at the time, tho. He is a highly functioning schizophrenic and in general does not trust anyone.
We also went to counseling. He'd seem to understand that everything was OK but a couple of days later he'd be singing the same song about bankruptcy and there being no way to avoid it.
We could not work this out because both of us were insecure about finances. The therapist suggested that I manage the money because I had been successfully doing that on my own for 20 years but I didn't want to manage the money by myself. Doing so had always added to my stress level and I couldn't talk with him about what I had done, which I had to do, without getting angry because he didn't trust me.
It was a lose/lose situation for us. We realized that this once we figured out what was causing each of our own feelings and couldn't or didn't want to work on ourselves to change them. We had many more important issues which we couldn't work out and so got divorced. This was after 6 years of marriage counseling.
I also have a friend who is bi-polar and I'm not able to have reasonable conversations with her either. She says that because she's bi-polar she has no choice but be depressed and gets angry when I suggest anything related to having fun or taking care of her physical health. Sigh!
I have a difficult time accepting that complaining is the only way to manage anything. If someone wants to spend time with me only complaining, without at some point being willing to consider ways to improve the situation, then I find a way to not spend time with them. My friend and I are down to an evening a week and an afternoon and evening every other Sunday. I've tried to discuss how we could try to change this and her response always is, "I'm depressed and their is nothing I can do about it. You just have to accept that I'm always going to be depressed"
So I'm going to work on myself and my attitude in counseling. Thus far I've reached the point at which I'll keep my distance when her focus in on complaints. I'm not sure this is the only thing I can do but for right now it's working for me.
It's not as simple as that when you're married to the one doing the complaining. But perhaps you could decide together to not talk when the conversation isn't helping to reach a solution.
I agree that even if he won't go to counseling, you can gain a great deal of support along with helpful suggestions on how to deal with this by going to counseling yourself.
I also agree, that if your husband will respond to humor, that may help. In my birth family my mother would say, "doom and gloom; that's so sad" when I got onto one of my complaining kicks. It made me mad and didn't help at all. But, because it made me mad, I voluntarily went to my room, and found a way to cheer myself up because I didn't like feeling that way.
I suggest that you find a way to be honest with him in a tactful way so that you can leave the room when he's into this mood. One of my friends told her husband, who had been married twice before, that she wasn't responsible for the previous management, when he began his negative response because he was "so sure" about the way it's always been and always will be. It seemed to help. I was present when she'd say those words and they would laugh and change the subject. I think they had an agreement that they would talk about the subject when they both could come to the table and maintain a problem solving mood.
I definitely believe that once he starts the conversation of doom that you not continue with the conversation. As you know, you get nowhere. The longer you try to stick with it, the more frustrated you get and the more certain he is that he's right.
Perhaps both of you getting involved in a financial planning course would help. There is someone with a radio and TV program that is often mentioned on this site and praised by my cousin but I don't remember his name. It may be Dave Ramsey. I've heard of couples having success using his insights. I'd try that.
I also like Stephanie's suggestions for planning ahead of time how both of you are going to manage the conversation. This did not work with my husband and I because in addition to our different experiences as children which influenced us as adults, we were both upset about other issues and we carried those feelings into dealing with finances.
Couples do need to find a way to separate other issues from financial issues and have an open mind about the possibility of finding a successful way of managing the finances. I've read that often the money isn't the real issue and it falls into place once the real issue is resolved.
Could it be that your husband's general personality is one of pessimism? He's the only one who can change the way he looks at life. For a successful marriage you have to find a way that you can live with his pessimism. I've seen couples who have overcome their differences in outlook but only after years of working on it. Eventually, after each one only expects change in themselves or expects no change at all on the pessimists part, do they meet somewhere closer to each other in mood.