The importance of timing

So earlier this year I met a Scorpio. We started dating but stopped when he said he didn't want to pursue a relationship with me. We stopped speaking and didn't see each other for a couple of months. That whole time, I went on a couple of dates and tried to move on but I never felt right about us not speaking. Out of the blue one day he calls and reveals the real reason for us not being together. A litney of financial and personal issues came up with the finality of his divorce. He started having serious and looking like critical issues with his health. He told me his feelings were real and never went away but he could be in a relationship without getting himself together.

At this point we are trying to be friends. We're not sleeping together but we hang out and talk a lot. He kisses me on the forehead and tells me how much he appreciates me. At the same time he tells me I need a rich man and he doesn't know what I see in him. I love him and I see him getting more attached to me. He allows me at his dr visits and he shares more of his thoughts, feelings and fears. I know Scorpios aren't that open so I don't take any of this lightly.

Our personalities don't conflict, there aren't other people in the mix, our future goals are very alike, were attracted to each other, and we can be genuine with each other. Most of the bs things I've got to deal with when dating; I don't with him. Last week while cooking, I asked him why we weren't together and he said timing. I asked if that's the only reason he said yes. I'm worried one of two things will happen because of timing:
1) we enter into a fwb or a situationship because we got so close while he has clearly said he's not ready.
2) we get into a relationship and I resent him for not fulfilling my needs despite that cognitively I know better

And then my fantasy is; we stay close and get closer while his health and finances improve. Our friendship and bond would be the foundation for our future and we live happily ever after.

Given I'm a Pisces and prone to illusions, am I looking at this wrong?