I as a breeder offer a product, it isn't my job to try and tell people how to spend their money but rather to show them that I am the business, that when the time comes, they should spend it with. Encouraging people to spend their money is impossible, people like to be reassured that spending their already scarce cash isn't going to be a dumb move. Whether they have the funds to provide for the animal after it is theirs to do so with isn't my worry.
Now as a responsible person and a customer conscience business owner I will do this, find out how experienced the person is and ask general questions about what type of equipment they are going to use and gently point them in the right directing if they are going astray. I'd rather spend an extra 30 minutes on the phone making sure my customer has the best possible pet owner experience they can have. Because a person that is enjoying their new pet is more likely to be a repeat customer. Where as if I were to simply take their money and let them sink or swim then when or if the animal dies or they have a bad experience then they are 100% more likely to get a fish or a hamster.
In the end most people don't make 200+ dollar impulse long term maintenance purchases and those that do if they didn't do their research then it wasn't a big purchase so no harm done..