I'm no longer in love and want to break up, it's been too long
Why do you want to break up?
Because he's a liar and a user. He's cheap and never pays me back for what he use from me
It is always sad to fall out of love when the other person treats you so badly. Thus you should not stay in a relationship when you no longer love the other person. So you do have the right to break up with him.
Are you trying to make me feel bad about it. It's not my fault. I don't owe anyone anything. I deserve to be treated well and if I'm not, I have the right to leave.
No, that's not what I am getting at all. I'm happy that you are starting to make the decision to leave if you are this unhappy. I hope you will be able to find someone better who will actually treat you the way you wanted.