Or the subject.
You as a keeper are 100% responsible for all care your pets require, therefore a responsible keeper plans ahead and does not keep things they cannot afford to do so.
Im sorry but its normal for a keeper to spend hundreds on food for their pets, hundreds on caging/containment, so vet bills are an expected expense, that tells me they are included in what you need to plan on spending at any time.
Examples Ive spent thousands on caging, food, and animals themselves over the years, guess what Ive also spent thousands on my pets vet bills. My monitors are the least expensive of my pets when it comes to the vet, but still expensive.
So if you wanna play, you gotta pay. Cant afford them, dont get them, be responsible.