Will i be okay if i don't get a colonoscopy? please read 10 pnts best answer?

i am 33 years old and had pancreatitis recently. when i went to the doc for abdominal pain, they did a quick rectal exam. the test was positive for blood. the weird thing is, there is no blood that I see when i pass a stool ever. for a few months before my pancreas acted up, i was constipated. this constipation thing is something that runs in my family, but no cancers. Some times i would have to push really hard to go. sometimes if i pushed too hard, i would see a little pink on the napkin. after my bout with pancreatitis, i change my diet to high fiber and low fats. i no longer drink or smoke. that has helped a lot and it is easier to go to the bath room. i have not seen the pink residue on the napkin since. it seems like i had some hemorrhoids. i am getting a ct scan of my abdoman in about a month to see what the cause of my pancreatits is. i have so much debt already. i really can't afford anymore. I will get medical treatment as needed. but i really want to avoid unnessecary expences. my gastro doc even said the chances of me having something in my colon is slim to none. he is more concerned with me pancreas, than my rectum. of course they have to recommend it ifr there is blood in your stool.