How many Millions do you think you'll be on the hook for when your third world brake job fails and you kill someone? Don't worry about your insurance coverage, they cancel your policy as soon as they find out.
Don't get me wrong... I'm pround to be a cheapskate but a vehicles brake system is something I will absolutely not cut corners on to save a buck. The fact that you are apparently operating a vehicle with suspect brakes is worrisome all in itself.