I agree with squishypuff. Do something. Are you afraid to tell us that her toe is coming off? If so be honest. If her toe does come off or is hanging by a bit of tissue you will have to cut the connective tissue with sterilized scissors (the smaller the better....manicure scissors). There should not be much bleeding. If there is put pressure on it and eventually it will clot. Do you have blood stop powder? If not I would use a clean finger to hold gentle pressure. If you use a cloth or something that will stick to the clot the clot will be pulled off every time you remove the cloth and the bleeding will start again.
You still haven't told us where you are. There must be a vet that can help. Is there anyone that you can call to put the chick down? A neighbor, friend anyone?
If money is an issue be upfront with the vet staff and ask if you can make weekly payments until the bill is paid off. Vets are people too. Most of them anyway.
If anything bad can happen it will happen to a chicken. You are not a bad pet owner or anything of the sort. I've read about chickens eating styrofoam, string, glass, earrings, rubber bands and even a Barbie shoe. Then there are the animals and people who take, steal or kill a chicken. Hawks, raccoons, dogs, coyotes, bears, fisher cats, snakes, rats and someone even said their chicken was attacked by a groundhog.
No matter how careful we are it happens. I had a chicken with an impacted crop and following advice on this forum I gave her olive oil and massaged her crop. She didn't get better and I brought her to the vet. Come to find out I massaged the contents of her crop further down her digestive system and was stuck just before her stomach. There was nothing the vet could do so I had to have her put to sleep.
I had another chicken with an impacted crop and this time massage worked.
Nothing in life that is worthwhile is easy. This is a little bump all of us are helping you get through and crossing our fingers and praying. We've (most of us) have been there.