At 25, it’s well past time for you to renegotiate your relationship with your parents. I completely understand that they want what’s best for you, and they don’t want you or they themselves to be hurt by another break-up. What they don’t yet understand is that keeping you dependent is keeping you from coming into your own adulthood. What you don’t seem to understand is that you are cooperating with it.
You’ve colluded in this more than you realize. You want your independence yet you let them furnish your apartment. They still pay your phone bill? Really? And somehow they have access to your bank account. You also apparently share information about your jobs with them and discussed your plan to jointly purchase a car. None of this is necessarily the business of the parents of an adult. If you want to be treated as an equal adult, you need to reassess where you are still acting like a dependent teen.
It’s wonderful to have a close, caring relationship with parents, but for you to come into your own you need to take charge of your finances, your responsibilities and your choices. That includes your choice about who to love and how to live your life.
I don’t know how serious your folks are about cutting you off if you don’t give in to their emotional blackmail. You need to decide if you are willing to take the chance. I suspect they don’t want to lose you any more than you want to lose them but people sometimes do hurt themselves and others just to prove some ridiculous point. I hope their love for you is strong enough to tolerate you becoming a grown up.
I wish you well.