Coincidentally, one of my cats, a seven year old male named Schwarz is at the vet right now with the same problem. I took him in on the 7th and they catheterized him and put him on meds. Then last weekend he was acting listless and uncomfortable so I brought him in last Monday to find that he was blocked again. He's scheduled for surgery on Monday which should eliminate any further urinary blockages. The whole thing will be a bit expensive at around $2000, but I've raised him from a kitten and he's very sweet and loving and especially fond of me. He's otherwise perfectly healthy (aside from being a bit on the pudgy side) and I just can't see myself burying him in the garden over two grand when he has many good year left. As to what I would do if it were $20,000... Well, I'm just glad I don't have to deal with that.
$2,000 for all the procedures? NYC is more expensive. I took Breamy to a non-profit ER and their est. is about $5,000. They won't do a perineal urethrostomy (the procedure they told me about which makes urinary blockages less likely) until they do at least 3 catheterizations first. To try to steer this back to a general ethical conversation about pets, ethics and health care -- I tried to find out how much other hosptitals and clinics charge but its difficult to find places that are willing to inform people how much they charge in advance.
Is that ethical? It doesn't seem so to me. If someone expects to get paid, shouldn't they tell a potential customer how much they charge so the customer can know if they can afford the services before they commit themselves?
(BTW, from the web, reading about people's experiences, it seems that a perineal urethrostomy alone in NYC, can be as much as $6,000, possibly more.)
Anyway, Breamy's case is a little complicated and perhaps a little unusual. I might open up another thread about that in either the science or community forum. I've gotten snapped at for not sticking to my own OP's topic in other threads

, so I think I'll go back to that, for now. (Actually I need a break today from thinking about Breamy's situation. Its been a very stressful week. He's a wonderful cat ... and I'm not having an easy time with this. He seems a little better though, so hopefully he'll get healthy and stay that way at least for a little while.)
But back to talking about the abstract concepts...
In regard to how much I (generic I) should be prepared to spend on a pet's care -- I suppose its fair to take into account what the pet's options would have been if they had not been adopted by me (generic me).
By that standard it seems that a purebred probably shouldn't be adopted by someone unless they have significant amounts of money at their disposal to spend for that pet's healthcare. Because given the supply and demand for purebreds, chances are that someone else would have been willing to adopt that pet who has the resources.
ETA: But than again, there seems to be a lot of purebreeds available from breed rescue groups, although I think most of them are adult dogs.
IMHO, I think its reasonable to have that standard be lower for a pet at a typical kill shelter. Many healthy dogs and cats are destroyed if they are not adopted within a short time frame. So if a cat is adopted by someone who takes good care of them but gets hit with a large, unexpected and rare medical expense that they can't afford -- I don't think it makes them an awful person if they decide that they don't have the resources to pay it. After all, one could argue that the pet got to enjoy X number of months or years before the rare, unusual medical emergency occurred. If that pet had not be adopted, he would have been killed much earlier. So one could argue that if the only people who were legaly able to adopt pets were the ones that had proof of at least $15K in reserve (for argument's sake) for unexpected medical expenses, then more animals would actually be hurt than helped by that custom. Because a lot of people would not have that much money on hand in their bank or other convertible assets and more animals would end up being destroyed instead of adopted because it would be harder to find people financially qualified to adopt them.
Here's a real life example: A few years back I bumped into an acquaintence (lets call her Mary) in an animal hospital's waiting room. I was there to get my other cat vacinated as part of the adoption process prearranged by a pet shelter affiliated with the hospital. Mary was there because her cat had torn through a ripped screen (she didn't realize it was ripped) and escaped to the balcony where he fell off and broke his leg. IIRC, it cost her about $8 or $10K to get it fixed. While she told me this she was pretty shell shocked, not from the vet bill yet, but from the fact that her pet had broken its leg and probably almost died.
I'm about 99.9% sure that Mary couldn't really afford the vet bill. I also know where she got the cat from. She had been pressured to adopt it by another acquaintance of ours (lets call her Sue) who had found an abandoned pregnant cat on the street. She had adopted the cat and now wanted to give away the kittens. Now kittens usually get adopted in pet shelters but I have heard that the city pet shelters make people pay to surrender animals to the shelter. My guess is that Sue didn't want to keep the kittens but she didn't want to pay to drop them off at a shelter either. She was good at twisting arms and Mary doesn't have a strong personality.
After my recent emergency at the hospital with Breamy I learned that this particular hospital doesn't discuss various options and doesn't give you any time to think about it. I suspect that some of their vets could teach used car salesman some excellant high pressure techniques. Frankly, as much as I love animals and wish that they could all be saved, I don't think that is ethical. Particularly since this hospital is known as a non-profit institution and is known to have lower rates they are getting a lot of people from a wide range of financial circumstances. As far as I know, there is no cooling off period for medical expenses like there are for other people in other type of transactions. (Vet care can be a wonderul thing, but it is also a business transaction. As proof, don't pay your vet bill and see what happens. ) I can see how some people could sign themselves into serious debt before they had a chance to think about it. On one hand they are adults and legally responsible for their actions. On the other hand, its an emotional situation and very likely the first time that many of them are in this situation ... and I do think that many are being taken advantage of. Its not reasonable to expect everyone to be in a position to pay $10K or more for emergency care. And I would not be a bit surprised if Mary ended up having to go into bankruptcy or came close to it. If she had been given time to think about it, then she might have made the difficult choice to not save her cat. And that would have been awful, but then again she had him for about 3 years and he was a rescue cat that got to live for 3 years because she was willing to be pressured into adopting him. Does a nice person in Mary's situation deserve to face financial ruin because she was caught in a weak moment? And this affects other people in her family also who are dependent upon her, or at least strongly affected by her decisions.
I think its ethical to make an effort to live within your means. And I think its unethical when people try to use your emotions to defeat that.
So thats where I am now when I think about this whole topic abstractly. I haven't finished thinking about it yet though.
And I'm a little tired and as a result I rambled a lot...