Why cant i get pregnant, why does me and my husband have to go throught this?

Okay me and my husband have been trying to concieve for 3 years right and we recently got our fertility results back. his semen ysis came out normal and my bloodwork came out normal. i kind of wanted something small to be wrong so atleast we will have a clue how to fix but no because the test came out normal. i have got my tubes checked yet because my doctor said there was no need for that test yet because he felt around did papsmears and cultures and they all came back normal. he said i shouldnt have any scarring but i have been dealing with bacterial infections on and off for the past 2 years and i heard the bv may cause scarring if left untreated is it possible that i may have scarring. oh and today my husband had pain in his right testy up to the right side of his lower abdomen . do you think that could be something. ( we a re going to the the doctor this week to see what is causing his pain and to get my hsg test to check for tubes. i would hate it fot my tubes to be blocked scared or damged because then we would have to go through ivf or iuis and we dont have money for that .we arnt broke we just dont have that kind of money,GOSH...............what do we do if them test come out normal. what do we do if they dont come out normal. we have beentrying for 3 years there has to be something wrong. but i would rather the blood work come out unnormal then the tubes test because that alot of money. why. there are so many people out there who dont even take care of there babies. we would be good parents. i dont care about the pain i just want to experience child birth( probly wont be saying that when it happens) i just want a piece of me and my husband on this earth with us..............sorry im getting a little crazy.