Totally agree.
That argument can get really snarky.
Saw it all the time back when I worked a the pound and frequented a dog care forum. God forbid that someone living paycheck-to-paycheck should adopt a desperate puppy!
I'd say, know your equipment, anticipate the likely problems, and do the best you can with what you have. Attention to detail is a skill.
I'm not in this yet partly because I want the Herpstat $139 version. (That is more expensive then the snake I picked out, and she will probably be sold to someone else long before I'm ready. That's ok. There are others out there.) We have plenty of money - because we live by a very strict budget. I plan several months out. We don't just charge things.