I am also one of those people who do not use credit cards , I see so many people on anther site who post about their sick dogs and always write they have no money to take their dog to a Vet, this happens all the freakin time, it is appalling. I understand vet bills are so expensive though, it is heartbreaking when your family member is ill and cannot get the medical care he needs. I've been there myself, nut made it work. I get extrmely upset when one of my dogs are sick, I am a mess, can't think straight, blame myself and out of my mind with worry. PLacing money aside for pet emergency's is the best way for me to go. You never know when something comes up and your dog becomes ill and needs medical attention.
Just recently , a few days ago my brother lost his best friend. He calls me on the phone nearly crying his eyes out because Roscoe died , that was his best dog ever, and they could not afford vet care, they watched him suffer for three days. until he passed away. His teenaged son had to bury roscoe because my brother was too much of a mess. I knew how he felt about his dog too, and did not know anything about him being sick until after he died. Now they have 2 other female dogs who just delivered pups, two of the pups look like their daddy, roscoe , and Yes I am aware they have too many dogs they cannot care for properly or even provide basic care. They now have 10 dogs including the puppies. Crazy isn't it
The dogs they have are terrier chi mixes , As for me, I care for my 2 dogs as if they were my babies.