Who's fighting? I have priorities for my money just as you do. It seems they are different. A pet's vet bill gets paid first regardless of what animal it is. I've worked in reptile specialty shops, done a lot of rehab and rescue for birds, herps, and captured wildlife and see many animals who suffer at the hands of owners who got in over their heads with pet care costs. Most were unintentional. So, I try to help and educate. Some were just plain stupid. I bite my tongue, take their unwanted animal and write them off. If someone brings an animal to me that is near death or truely suffering and can't be helped I have it humanely put down rather than deny it needed care.
A story: Back when beardies were new and novel I was working in a herp shop. People brought in a stinking plastic laundry basket with a huge gaunt beardie who was limp as a rag from malnutrition. It had a gut full of sand, no muscle tone, rubber jaw, etc. Amazing that it was still alive. At that time they would have paid at least $100 for it. They said it didn't do anything interesting anymore and just laid around. When we asked them why they didn't ask us about proper care or go to the vet they said "we spent all the money buying it and didn't have any money for...the fancy light, the book, a vet". Criminal. But, that beautiful German giant morph licked baby food off a finger, ate anything we gave it, and after months of correct lighting, TLC and simple hand feeding is now the pride and joy of a friend in Colorado.
Nuff said.