New plumbing toilet

About 3 weeks ago my son (the youngest ) decided to wash his cars in our toilet and to make sure they were clean he flushed it because the water comes down and washes them . We started to notice water backing up and called our service people and we were hit with catastrophic news that the plumber couldn’t get the block out and we would need a new toilet ( he thought it was stuck in there) so we spent $400 to fix that and all was fine for 4 days , then sewage started to come up in our  bathtub and toilet so we call them back only to be told that if we wanted them to fix it he would have to remove the new toilet , eel, camera, reset toilet  . The cost of all this would be around $600 and none of it is covered under the plan we have with them . So we said ok if it’s not covered then I want a second opinion. I call around and got a few quotes and one company was able to eel through the tub and toilet. He got it all working again and then told me that the pipe under our house (crawl space)  is cracked and that there is no clean out outside and we should have one put in . If we had one then all this would have been prevented.  Early this week it began to back up again in both locations again. We need to replace the pipe under the house and have a clean out installed outside . With current situations in the world right now I’m not working . I have 2 young boys and a loving wife but the money every two weeks is t enough to help us in this situation so I’m asking for help !
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