Generally when hubbys have hairbrained ideas such as that, a swift kick to the rear usually works best.
That's really generous for him to try to help him out and everything, but you can't help out someone else if it's going to put YOU in a bad position.
My hubby used to try to "help" out his family members in a similar fashion all of the time...can't tell you how many arguments we had back in the day about those types of issues. You can't stick your own neck out trying to help someone who isn't going to help themselves. It got so bad that his sis would have his neice and nephew calling him begging him to buy them shoes, then his sis who's never had a job would blow her $$ on cigarettes and bingo! The straw that broke the camel's back was when he loaned his parents several hundred dollars to fix their roof and a few weeks later they took a trip to a casinio for the weekend.
Thank goodness he finally saw the light!
I definately feel your pain (both the husband and the oral surgery
). Kick his butt and send him out to get you some ice cream!