You said in another comment that you have a 100gb hd and a 4tb monthly bandwidth cap?
Torrents probably aren’t the solution for you. Spend some time learning about newsgroups. It costs money but you aren’t expected to keep files after you download them or upload for everyone else.
I think realdebrid also does this but it also costs money.
You’re excluded from the informal economy because of your situation so you gotta participate in the formal economy. You could always buy a hard drive and set a bandwidth limit in your client too. I expect that would be cheaper over a year than either usenet or debrid.