So every pet owner without at least $10k set aside for pet emergency care is a bad owner. That describes 99% of pet owners.

I agree people should plan for more pet-related costs than they do, but, as technology progresses, there doesn't seem to be a ceiling on the amount you _could_ spend to save a pet.

In my case, we have always taken in rescue animals. So the choice is between leaving the pet at shelter or a life in a good home with some limited options when it comes to end-of-life care. I think the latter option is more humane.