If you can't afford to care for your animal - you honestly shouldnt have it. I am not trying to be mean at all. But lets face it, we took on the responsibility of caring for the horse. I don't have tons of money - I have bills out the butt. But I still do what I have to do for my pets. All of them. Not because I like to spend money or can always afford to - but because I have to. Its the choice I made when I took the animal.
If you can't afford to euthanize then how can you afford other vet care like say if you horse was injured and needed stitches or something. It can get costly.
Too many people take animals that they shouldnt have. Its why we have so many horses in rescues or needing rescues, its why we have so many animals in shelters.... Because too many people don't look at the big picture, the long haul.... they just see a cute cuddly kitten or a dreamy horse.
I don't think Ginger is a bad horse owner. But I don't think that she realizes the facts of life yet.