You are a very good horse owner and you care a lot about them. That is worth a whole lot. You are going through a tough time right now...when it rains it pours. Life isn't all sunshine and flowers for any of us however, and as fellow horse owners, most of us can completely understand your predicament. Don't beat yourself up about the situation. I'm so glad you were able to get the vet out and everything is going to be ok with your horse. Even if you had not been able to have the vet out today...still in my book you wouldn't be considered a bad horse owner. Having financial hardships at times DOESN'T make you a bad owner.
If today my horse needed an emergency vet (or even non-emergency for that matter)......(God forbid) then I don't know what I'd do. My sister broke her femur bone and has been out of work, so now I'm helping to feed 5 horses and have only budgeted myself to feed 2. To make matters worse, we had to schedule an emergency farrier visit out today because we have had a lousy farrier doing our horses hooves and several of them have serious issues with their hooves splitting and we've had 2 that have thrown their shoes altogether (3 weeks before they were scheduled to be done again) and one that is lame. My point is you aren't the only one who wouldn't be able to afford an emergency vet bill. Hey, they doesn't make us bad horse owner, we have just hit the rainy season right now...that's all.