My (26F) partner (28M) wants to charge me rent to on-line in his one bed apartment

I have been super worried about posting this I know this is a topic that has been brought up a lot of Reddit but I have a perspective that I really would like some opinions on.

My boyfriend and I are both reasonably well off with good jobs in a high cost of living city. I have a little more student debt but overall doing fine.

My boyfriend is in a process of buying (with a mortgage) a one bedroom apartment. I would also like to buy but it is a few years down the line.

So obviously the question is if I should pay my boyfriend rent to on-line with him in his one bedroom apartment. I love him very much and this living arrangement would be suitable for me. Obviously, I know all expenses should be split equally (gas, electric, water, groceries, small repairs around the house). But paying rent to him is an issue to me for the following reasons

1) it’s a one bed apartment. If I don’t move in beside him in the bed he won’t be able to rent it to anyone else (the opportunity cost). It feels wrong to pay for something that couldn’t be sold to anyone else.

2) I would have no tenancy rights. In our current location, if you stay a certain amount of time in a rental you get good tenancy rights where they can’t kick you out easily and they can’t raise your rent. This is what I currently have and I would have to give that up.

Even if he gives me below market value rent, the situation is still not comfortable for me. I feel the situation is very uneven and I am happy to continue maintaining my own apartment. If the situation was reversed I would not charge him rent, as it feels weird to profit off a partner. I know the argument is I would have to pay my rent anyway but it would feel like I’m giving up a lot to live in his house and allow him to profit off something he couldn’t without a girlfriend. Am I a bad partner for not letting him charge me rent?