I have been almost broke and without a home defense gun, many years ago. The solution for that is to buy a beat up old single shot shotgun and a box of buck shot. It's even cheaper than a Hi-Point, more reliable, and much more deadly at pistol range than a .45. - and it requires very little practice. You can buy an elastic shell holder to put on the stock, at Walmart for $7, and it becomes an 'almost' repeater, with some practice.
A Hi-Point, or any gun with a reputation for not working consistently, should not be what stands between you and a guy that beats down your door to get at your family.