Yearly MOT can pick up problems that a driver/owner may know about. New cars can go 3 years with out one some older cars are exempt. People may not like paying out a lot, but its better to be 'safe than sorry' and it really up to the owner to make sure it road worthy. Lots of people are getting priced off the road or ripped off. Freedom of driving can be good but costly (for some).
I find a good independent garage and MOT centre can be better than Kwik Fit (IMO), who have tried to up-sell me several times in the past. They once quoted me £700 and wanted me to sign up to a finance/credit deal to pay (hard sell) for some work that didn't need doing. I've drove out with-out signing anything and since then, I've avoided using Kwik Fit. Some people may have had goog luck with them, other not so.
I took that car to an independent garage, popped it on a lift and 2 different mechanics confirmed, that £700 of work wasn't need. They both looked at each other and me, then sorted the noise issue very quickly I asked them, what do I owe you. A pack of fags (10 pack back then) and coffee is all they asked for, so for less than £10 problem sorted. We had a chat, a drink and a laugh about the whole thing. Since then the owner of that garage, expanded another business and he closed that garage. Seen that mechanic a few times in a local park and he remembered me and had a chat, good guy (IMO) but he left the UK, some time ago.
It may be worth travelling a bit if you can find a mechanic, I've had engine and gear box swaps, a good 30 to 45 min + drive away due to good mechanics. When I've go local places with in, 5 min that could do the work.