@Loli_Omamoritai At least this varies the template a bit in that the parties had a legitimate reason for throwing him out and didn't just do so because they were assholes with all that "Leave your gear here and get lost" bullshit.
So in this case the blame really lies near exclusively with the MC.
@ctt1 Considering not having it checked was potentially lethal (not just by using the crest the wrong way but also by being practically helpless when some beast decides to pummel him) so his life was literally depending on it he should have found other ways, like a payment plan or something, explaining his situation to the adventurer's guild or his former parties to get the money there. Instead he did nothing for four years.
We have a sample size of one but it's not as if the heraldic masters we have seen were particularly haughty or stingy and would not have agreed to find a way.
@ctt1
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Imaging in real-life someone doesn't take "health-check-up for drive test" to drive a remote vehicle because he doesn't have money.
Imaging in real-life some pilot fly a plane without taking a "proper maintenance" because Air plane company doesn't have money.
He may kill himself because of his poor condition.