It depends. I'm not sure about "needing to go back" part, as I did not do the Dark Brotherhood quests, but if you can't pay it, you can always go to jail and then break out. It's easy enough, and if you stay in there, you don't lost skill points per say, it just sets the points you are leveling to the beginning of that level. (For example, if I had lvl 18(almost 19) in Heavy Armor, it wouldn't go down to 17, just go to the start of 18 again.) Hope this helps!
