Hello Princess & welcome.
From what you say, I don't get the impression that he is game -playing.
He has financial problems and has to work overtime.
Both financial problems and long working hours have wrecked a number of relationaships.
I'm guessing that he is really fond of you and enjoys your company, but cannot cope with all the responsibilty that he feels is on him at the moment.
Men are 'supposed' to cope and to provide. They are supposed to be strong and silent. They are not supposed to need emotional help from their girlfriends ~ or, at least, that was, for many, the traditional way. (We have a thread on 'When men weep' which is related to this subject.)
Perhaps he has been brought up to think this way.
Saying that you loved him may have made him feel an extra responsibility towards you, and he may not have felt able to give you what he thinks you need or deserve ~ especially if he is feeling downhearted.
It would probably benefit him to share his concerns with you more.
Have a look at the 'Venus and Mars' books, or something similar, which help to explain why many men act as they do.
Maybe a no-pressure chat could help him to realise that you are there for him, without expecting anything from him, at times when he feels that he has nothing to give ~ not even good company.
Good luck.
