The bottom line is...if you can't afford proper health care for your pet, then you shouldn't own the pet. This is why so many cats and dogs end up in animal shelter's and dumped out on country roads...because people take home that oh-so-cute kitten or puppy but then when it comes time for immunization's, spaying or neutering, heartworm preventative...the pet owner decides they can't afford the medical bills and they dump the pet.
Everything in this world is expensive. That is why when we make decision's, such as adding a pet to the family, we need to FIRST take into consideration what the medical costs are going to be to keep that pet healthy. And...should the pet need a surgery due to an unforeseen problem, can you afford to pay for it.
You must consider that the Vet needs to make a living too and they have expenses and overhead just like any other business.
When you have your car repaired, the auto shop marks up their cost of the parts and charges you for labor so they can make a profit. Your Veterinarian has to do the same...as does your family medical doctor.
What you also aren't taking into consideration is, as a small business owner, your Veterinarian has to buy alot of insurance to protect himself/herself from lawsuits. As a small business owner myself...you have no idea how expensive this insurance is and we have to pass some of that cost on to our customer's so we can afford to be in business.
And last but not least...about your particular Vet not accepting personal checks as payment, think about it. It costs your Vet money to have to spend the time hiring a collection agency or their attorney to track down deadbeats who write bad checks. Most small businesses are moving to only accepting credit card payments or cash because the cost of recovering lost income from bad checks is just becoming too great an expense. Speaking for our business...we only accept personal checks from people who present us with a letter of credit from their bank. Period. We don't screw around with checks. Too many people in their world do not pay their bills and it may not be 'fair' to everyone to not accept checks, but we are running a business. We are not everyone's bank.
So, before you bring home that next pet, decide whether you can afford the Vet costs. Also, please make sure that you are having your dog tested for Heartworm every year if you are not buying your preventative from your Vet.