Okay, so here is my solution:
I will try to ignore it and go the passive aggressive route and hope that husband will get the hint. He never does. I will use a new toilet paper roll and set it on top of the roll that is out (save for the 3 squares hanging on). Husband seemingly blissfully unaware uses the new toilet paper roll and sets it on top as well. It goes on like this until we are more than halfway through with the new roll and I crack. I put the roll on the holder. We enjoy a week of toilet paper on the roll and then we are back to square one, or three. Repeat. I don’t know if my husband is aware of the type of crazy he married.