It is a travesty that when you work hard, you may be denied medical care because "you make too much." I commend you for working hard! I know at Columbia Univ in New York City where I did my residency they have many low cost programs for the uninsured that need medical care.
I would call a local university dermatology department and tell them your story and see if they can get you in for a low cost visit. Also, I know that I volunteer at a federal clinic in St Paul - so also try calling some federal run programs.
Any bleeding spot should be checked to make sure that it is not skin cancer.
It may just be a matter of style/ preference but my favorite prescription for ear canal/ inner ear eczema is a specific ear oil called Derm-Otic. I find that it helps quell the inflammation and reduce the debris.
You may want to get a second opinion from a dermatologist.
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