When Does "Adapting" An Image Go Too Far?
If this is for a book, rather than for a paper, you have another option. Many book publishers will give you a certain budget for paying royalties on figures and such. Another alternative, if you are to receive royalties from book sales is to have the publisher pay any fees up front and charge it against your future earnings on the book. The former is preferable, of course. But book publishers expect to have to pay for some things such as cover pictures and some internal figures. 

I doubt that this is an option for any journal, however.