Deb, have you found someone? The last thing I can think of is to have one of the friends or relatives come get you the night before. Get a nice hotel room. As far as I know they would take cash for the room. The two of you go out for a nice dinner. It be will easier time for you both to get up and get you to the surgery. If they don't require your person to be there, they can go back to the hotel, get some more sleep and breakfast. Pack up and check out. They could go shopping, to a museum to pass the time. You can head home as soon as you are released.
I will say should have a credit card for an emergency. I went and got my own after my husband died. There was no question that it would be approved, they wanted to keep my money in their bank. I have never had any type of problem or fraud and I use it for all my purchases, safer that giving someone a check with your account information on it!