I know what you mean OP. My grandfather has two horses just to have them and say he has the biggest team of draft horses in the area. Yesterday he got their feet done and as soon as their hooves were picked up, you could smell them... Thrush, hoof rot, you name it. It was nasty. They had cracks, flares, bruising, long toes, no heels, piss poor frogs. It made me sick. He said, "wow he needs some work doesn't he?" I looked at him and was like, "Well if his feet were done every 6 weeks and picked out every night, then he'd be fine." My grandfather turns his horses out in a mud hole, so of course they're going to need their hooves picked out everyday and are going to need proper hoof care. Not to mention that they get about 6 quarts of grain a day and are so fat I'm sure they're going to both founder anytime. They're big horses, about 18.2hh and should weigh about 2000lbs at a healthy weight. If they were being worked that amount of grain would be ok, but they're just pasture ornaments and the most exercise they get is the walk to and from the barn. It's ridiculous.
My horses get their feet done every 6-8 weeks, the vet comes out once a year for shots and check ups and I take riding lessons and also have a trainer help me with Koti now that she's 3 and we've started her under saddle. I'm blessed to be able to keep my horses at home and not have to board. But it isn't easy by any means. We bale our own hay so that saves on expenses, but we have to buy our grain and supplement for selenium because Maine's soil is deficient.
I've had my share of emergency vet bills. My ex husbands horse cut it's leg open in the pasture one day when messing around with my mare. It was a deep cut and I could see the bone so I called the vet. I can handle small cuts and lacerations on my own, but this one needed stitches. The bill was $200 and with all the other bills we had I didn't have it all at once. So I gave the vet half and he billed me for rest which we paid when the bill came. I had a dog come down sick, stopped eating and started throwing up. Took her to the vet, they couldn't figure out what was wrong with her and tried to save her, but her kidneys and liver shut down so we put her to sleep. $1500 later we were on a payment plan again. When I picked up Koti to bring her home, her previous owner thought that beating her over the head with a stick would get her to load. Needless to say it knocked out her tooth and once I got her home I made two calls. One to the animal control and another to the vet. The vet came out and took out the other half of her tooth, gave her some meds and gave me a bill of $250 which I gave him half of and paid the rest when he billed me.
If my horses need something, they get it. If I don't have the money at the time, the vet bills me on a payment plan and I always make my payments on time. Just because they get hurt doesn't mean I'm going to shoot them in the head. Now if one of them were to break a leg, it might be a different story, I'd probably have the vet humanely euthanize my horse and have my heart broken at the same time. I've been riding for over 10 years and a horse owner my whole life, so I have enough knowledge to be able to handle minor injuries and behavior/training problems. Otherwise, that's what calling the vet or my trainer is for. It's pretty simple.
If your child were to come down sick or break a leg, you'd take them to the Dr and you take them to the Dr and the dentist regularly. The same logic should apply to your horses.