[gemy]

Actually I agree with most everything you have said.

There is also a limit financially on what most owners can and or is willing to spend on extraordinary medical expenses.

For most of us (at least here on YT), we find it very hard to understand those new puppy owners that haven't seem to investigate and determine if they have at least the financial wherewithall to handle regular annual care. And unless some sort of financial mishap is shared we are left to shake our heads and wonder why they don't take their puppy in for regular vet check ups, etc.