I live in an urban area. HOrse care is VERY expensive here. I am riding regularly ONLY because I have been able to half lease horses, over the last decade or more. I have leased many different horses, with my current lease going on 6 years. I know that my money helps the owner, AND I watch over 'our' horse; I've caught colics, and lameness issues. I keep this horse well excersized, and I keep him fit, and a relaxed and happy trail mount, so that he is not too jumpy when his owner comes to ride. there's value in that.