I can understand them wanting advice. People's financial situation changes and you can't take it out on them for finances changing. However in saying that if their dog is bleeding or something serious like that I do not understand why they waste their time on here but if it's something like blood in the poo I can understand.
As long as the dog gets the help it needs in the end :)
Have you tried Care Credit? You are a perfect candidate, let me tell you (all the money you have spent, wow). First call your vet and make sure they accept Care Credit. It acts like a credit card you can use for your medical expenses and your pets medical expenses. They have interest free plans and will let you know within 10 minutes if you qualify. Many of our clients swear by it and are grateful because they were able to save their pets lives. www.carecredit.com
For a lower cost vet care you could try one of the veterinary universities, they are lower cost because they are "learning" schools. They students are under the watch of their professors, so that is really a decision you will have to weigh yourself.