Power Steering Pump problems of the 2013 BMW X3

Twice now while driving the car it just completely stopped. No warning at all. Just came to a complete stop as I was driving. There were no warning lights, just happened. The first time was on a busy road, the second was on a much less busy street close to my home. I had it fixed to the tune of over $3000 the first time a year and a half ago. Now my mechanic is telling me that it is the timing chain and oil pump drive and that will be a very expensive fix. I am beside myself. If this had happened on a busy highway, lord knows what would have happened but it could've been something very catastrophic and horrific. I am a single mother and a widow and with the pandemic, I was out of work for many months. I do not know what I am going to do but I cannot afford to fix this car for several thousands of dollars.