Unfortunately, not everyone can foresee certain events. I like how no one stops to think that they're may have been fine in terms money until say, a week ago when his father lost his job (for example, I don't know when his father lost his job).
If anyone's seen my thread on my work rant, they should know I haven't had any income for a little while now. If my dog falls desperately ill tomorrow, I won't be able to afford his treatment. That doesn't mean he won't see a vet (nor, from what I can ascertain, will ollie's dog go without treatment). That's the benefit of payment plans. I'm certainly not going to get rid of my dog because a few people on the internet have never run into money troubles or think I'm a horrible dog owner.
Edit: I should also add, getting a dog with no money saved or no income is totally different. I try to not assume the worst in people, however.