Can the husband use the wife's money to settle his debts

I am suffering from cancer and my treatment requires lots of money. My husband has left his job in order to take care of me and follow all my treatments. He has taken so much loan from his relatives to run his family needs and my treatment. Now he says me that if something happens to him its my duty that I pay the loan giving away my gold which I got from meher and also gift from my mom during marriage. I feel that is the only backup I have for emergency since I also have a baby. But my husband has plans to use my gold to invest or get property rather than simply keep in locker and give zakaat. But I am not willing. Please replay if my husband has the right to do so.