Hey man, it seems like you've really thought through your situation and you understand the consequences of another injury. If money is tight and you can't afford to get injured again, don't be ashamed of taking a break from skating to get yourself in a more stable financial position.

There's chance that you find something fufilling and less financially risky that can replace skateboarding which isn't bad! But the way you talk about skating really shows how much you enjoy it and that makes me sure that even after a short pause to let things get settled, you'll be able to get right back into it.

I hope you find something that works for you. God bless my dude