There's a saying: "If you can pay with money, it's not expensive".
I understand this quote but at the same time, money is really essential whether we like it or not. It's the truth. We need money and without it we might not survive. So we should be careful where we spend our money on.
Simply, money comes & goes... but if you have to "pay" with "something else," it's most likely with something irreparable & irreplaceable.
If you are betting with your life, might as well reconsider because that is something you can never take back no matter how much you regret it.