I get it. You value money over the health, well being and quality of life of the animals you choose stewardship over. Some people are just the opposite.
Don't get me wrong, I never had insurance for my dog. I also go hit with some whopper medical bills for things as innocuous as a broken foot, that time she ate a pork chop bone, that time she wouldn't stop limping every god damn time we were about to go out of town and there was never anything wrong with her. It would have been cheaper to just put her down than pay out all of those bills and replace her with a similar version. That sounds fucking insane, though.