With all due respect, if you are struggling to pay for MC, then you shouldn’t be using it anyway. OTOH, if your workload is on projects where MC is expected or required, then Resolve – as powerful as it is – wouldn’t be acceptable.
Also an MC perpetual license lapsing doesn’t mean the software no longer works (like Adobe). It’s perfectly functional. You just don’t get software updates. Naturally if you upgrade the OS or the computer past the point where that version will run, then that’s a different story.
However, much of Hollywood runs on old versions of MC.