I think where you live, the economy, and the cultural norms there play a significant role in how people think about responsible pet ownership. As well as personal experience and circumstances. I live in a major capital city with access to 24-hour vets (including services that will do home visits for reasonable costs). Whilst veterinary medicine costs are not publicly funded or rebated as human medicine ones are, the costs here are more than reasonable (to the detriment of paying vets and vet nurses appropriately, sadly) :
"A standard consultation with a vet will cost between $50 and $85. For a dog, annual vaccinations cost about $120, flea treatments cost roughly $220 a year and worming costs $40 a year. ?Broadly speaking, it works out to about $1 a day for basic maintenance of an animal,? he says.
Notwithstanding emergencies, the main expenses of owning an animal come at the start of its life. Hong says three initial vaccinations for a puppy or kitten alone cost about $330 altogether. The cost of de-sexing depends on the animal and its sex."
http://www.smh.com.au/money/what-price-is-your-pet-mans-best-and-dearest-friend-20140527-zrpv1.html
We have an oversupply of vets compared to need which means that people in non-rural areas have a lot of choices when looking around - this helps keeps costs down. Additionally our vet services provide around $30 million per annum pro bono.
http://www.ava.com.au/13030
My partner and I have a 3 legged cat he found at a veterinary centre that provides rescue and rehabilitation services years ago. He only discovered she was missing a limb as they were preparing the paperwork, she was so lively - despite still having post-op bandages on! Any further vet services she needed related to her surgery would have been covered by them pro bono, though thankfully she was absolutely fine.
She's in perfect health but currently overdue her vet checkup as travelling and being in a vet room distresses her greatly (due to previous owner's abuse of her). We have opted to postponed her next checkup until we know if an interstate relocation is going to happen (as it could become an international relocation, it's important we have more information before inflicting 2+ traumatic incidents on Pashta if we could have made it 1+ instead).