Well, DH and I are relatively solvent. Mortgage free, nice holidays when we want, savings in the mid 5 figures, no debts, no DC to support (they left home about a decade ago,) and a decent amount of surplus cash each month .... So WE can afford another cat - or a dog. We can afford to keep it, feed it, take it for preventative vet care, and all the toys and baskets and bowls and bits and bobs it needs, and we would certainly love it with all our heart....
We could afford a £15K to £20K vet bill out of our savings. Are we prepared to pay that? No fucking WAY.
As has been said on here (by many people now) vet bills have gone up exponentially, to a farcical and ludicrous level, with many vets now upselling, and trying to push procedures on peoples pets that they don't need. That never happened pre 2019.
We have had pets (me, DH and the kids) for 25 years, (since we were about mid 30s, and our DC were 5-7 y.o,) and I had them for 20-22 years with my parents. And we coped fine, never struggled to afford to look after them, and never EVER had a vet bill we could not afford. As I said further back, some vet bills are half a year's salary for some these days. This never happened when I was growing up, and we had dogs and cats.... It would be a week's salary at the most.
No WAY would my parents have paid that. (6 months salary.. like £17K to £20K in todays money...) Nor could they have afforded it. And the biggest bill me and DH ever got - pre 2019 was a couple of hundred pounds. We paid £207 for something our cat had done (back in 2018,) and someone I know had the same thing done for their cat in 2024..... £3,300! No WAY should it all have gone up this much.
As I said before, once our old girl - cat aged 18 - has gone, we will have no more pets. Like I said earlier, we can afford them, and we can afford the extortionate vet bills. But we are not going to PAY the extortionate vet bills.
Sadly, because of the greed of some of these conglomorates and SOME vets, a shit load of animals that could make someone a lovely pet, will go unadopted.
I hope the individuals who are setting these farcical and disgustingly high vet bill prices, and trying to push expensive treatment on pets that their owner cannot afford are proud of themselves. 
THIS was an interesting watch.
https://www.bbc.co.uk/iplayer/episode/m002pwsm/panorama-why-are-vet-bills-so-high
.