I really don't want to pay to have my hard drive replaced.
Why don't you pay for it?
I have enough to pay for it but I just don't think it is reasonable to do so right now.
If the hard drive is already restored it is expected people pay their bills. You should pay people for the fair work they have done on your behalf.
But the price is so unfair, I'll find a way to take my business elsewhere.
You do know there are surrender laws right? If you refuse to pay after a certain amount of time they will own your equipment. It would be better to pay than to let someone else have your things.