Even if recommended by your doctor, it is always your choice not to have this procedure. But, it is important to understand the consequences involved with delaying or simply not having this procedure.
It is important to realize that a pancreatic, liver, gallbladder or a bile duct problem left untreated can lead to serious events including major infections, bleeding or even loss of life.
If you decline the procedure, you are limiting your doctor's ability to obtain key information about your condition. In your doctor's opinion, this information is necessary to develop the best treatment plan for your symptoms.
However, the final decision to have or not to have this procedure rests with you. All of your concerns related to this decision should be discussed with your doctor at length. You and your doctor can then come up with a treatment method that is comfortable for you.