Adaptive Equipment problems of the 1998 Toyota Tacoma

Not long after my basic warranty expired, I had fraying in my seat belt that was to the point it didn't pass inspection. I took it to a Toyota dealer in waco, texas, and they agreed to replace the belt free despite the mileage. Almost a year later, the same problem occurred. I went back to that dealer and they replaced it free even though they didn't have the obligation. About two years later, the same occurred. I have managed to get the truck inspected but I need badly to repair the belt, but I cannot afford it. Although the wear is near the waist, where one figures any fraying might take place, belt after belt should not happen. Also, my floor mat on the driver's side came loose a couple of years ago and it occasionally will bunch up and hit my accelerator and will on other times bunch up under my clutch and I am unable to shift into reverse.