Please fill out the fields below so we can help you better. Note: you must provide your domain name to get help. Domain names for issued certificates are all made public in Certificate Transparency logs (e.g. https://crt.sh/?q=example.com), so withholding your domain name here does not increase secrecy, but only makes it harder for us to provide help.
Then what, exactly, did you do to try to obtain this cert?
Really, if namecheap wants to charge for a cert, you should seriously consider moving to a less user-hostile hosting provider. But it may be possible to make this work, if you can describe exactly what you did before running into the error.
If your shared hosting provider allows you to run PHP scripts and install a certificate through a control panel, but doesn't just handle everything for you, you may want to use CertSage. It's designed for that use case.
Otherwise, I think you'd need to give more details on exactly what access you do and don't have. There may not be a better way than paying more to your current provider or switching to a different provider.
I just renewed my hosting. I also want to be able to do this for myself in the future. I just tried acme.sh and received this error "mkdir: cannot create directory ‘/usvillas.biz’: Permission denied"