Having run into some financially hard times myself in the past few years, I understand the need to be frugal. That said, I can't help you find a $30-or-less gunbelt, but the Aker runs $52.50. I've had one for about 2 years and wear it, oh, 4+ times per week. It's holding up well.
In Miami, I'm thinking that SURELY you can find a few good, long Hawaiian shirts to cover the print.
I'm a lawyer, but I'm not your lawyer. If you need some honest-to-goodness legal advice, go buy some.