One of the sensei's in my dojo knew his 4. dan grading was about to happen (by recomendation), so he spend the anual easter camp two years in a row trying to hide from our shihan because he couldn't afford to pay for it
In the end he was cornered and had to accept the honor. BTW this year he was graded 5. dan and the board of the dojo has offered to lend him the money so he won't get in trouble with his wife again... Imaging to come home and say "Honey I've just been promoted to 5. dan. I costs an arm and a leg, and all I get to show for it will be a piece of paper which will arrive in a year or two - if I'm lucky...."