I am very happy to pay to get a certificate for a course that I actually get an opportunity (i.e. time) to finish. With a full-time job, a family, and side pro

I am very happy to pay to get a certificate for a course that I actually get an opportunity (i.e. time) to finish. With a full-time job, a family, and side projects, it is generally hard for me to predict during sign-up if I'll be able to give enough time for course completion. It is also clear that if I do spent enough time on a course, the monetary value of my time spent and knowledge gained is much more than the cost of the certificate (I am based in the US). Additionally, while I care for the knowledge as the main thing, I do feel "why not" for the certificate too. However, I do mind getting a certificate showing say a score of 51% when my score is 51% (instead of say 97%) just because I was unable to find time to finish. Does anyone else feel this way? Is my concern real? Assuming so, I would like to pay to get the certificate after I finish the course, not when I start it.