Your UK husband can apply for benefits. YOU cannot apply for benefits.
And you have not done so.
I know of at least three people who were (maybe still are) on this board, who had a UK spouse who was totally unemployed, and the USC was also out of work, and they had kids, and the spouse was on benefits, and they got their ILR approved.
When I was freaking out about my ILR and income, even tho neither myself or my hubby are/were on benefits, we are just kinda broke after bills, they sent me private emails and told me their situation and told me they were approved. Which was very kind and thoughtful of them to do. It made me feel a lot better. I don't want to say their names, but maybe that will also email you too.
They were all under the old rules.
I don't personally know of anyone who was denied ILR specifically and only for 'a lack of funds' under the old rules. And, I know a lot of broke people living here in the UK, who have gone up for ILR.
Two years is simply not a long time to reestablish yourself and build a career in a new country, especially in this economic climate.
nursefoxfire, it is going to be OK.
Stay cool.
Just 'tick the boxes' that you do tick, and make copies of everything, and calm down.
It will be OK.