I started at a CC and have transferred to a 4year. I took some of my prereqs at a cc because I'm a science major and if I waited, I wouldn't have been able to unlock the upper level courses I need for my degree.
I haven't applied yet, but the general advice I got here was that it will be acceptable as long as I take upper level sciences at my 4-year.
So, based on the advice I have received, I think back tracking from a 4-year to a cc would not be the best choice. Also, I know you're saying that it's for financial reasons but if there IS a part of you that is hoping it will be easier, then I would be careful. So far, my classes at the CC were much more intense and our work was graded much more strictly than what I am experiencing at my university. The labs were especially more difficult. So far, as I say.