If you're scared of finasteride at least use a micro-dose topically.
Put one 5 mg pill in the minoxidil 60 mL bottle and let it dissolve for a few hours.
5 mg/60 mL = 0,08 mg/mL
Then every time you use 1 mL of minoxidil you'll also be putting a micro-dose (0,08 mg) of finasteride on your scalp. Finasteride gradually builds up in the scalp, so a micro-dose everyday could work (check the chart).
To respond even better to topical minoxidil, add tretinoin cream, microneedling or both!
You can also try a coffee spoon (2 mL) of castor oil orally everyday. It's very cheap and worth trying.