A green screen also doesn't have to be expensive. Go to a fabric shop with a laptop running OBS (or maybe even a mobile phone that has an app that can do chroma keying), and find a roll of fabric with a color that works well. You should be able to find something that works, and it should not be more than one haircut worth to buy a few square meters of that. I did this myself at the start of the pandemic to be able to record some lectures at home, and it works just as well as a professional green screen (which I got later, its main advantage being easier to set up).
I didn't. While the lectures were related to my job, I wanted to be able to keep using this equipment privately, and in such cases I prefer paying for it myself to avoid any conflicts of interest and the possibility of me having to return the equipment.