Absolutely agreed. The situation is almost never black and white. The reason I put this as my answer to the question is that we had a scare this weekend with one of our dogs. She ate something that gave her a blockage in the outlet to her stomach. In the end we spent around $4000 on the surgery required to save her life. Even though we chose to go forward with it, it was still a hugely stressful situation and one of the hardest decisions I've had to make. We were lucky that a local vet had time to rush her into surgery. If they hadn't been able to, the cost would have been over $13,000 and we would not have been able to afford it at all. As it is, we had to borrow some money from family to do the surgery. When I wrote this, it was up in the air whether we would be able to do it or not.