Ah, you edited your post so there’s some new details.
The saddle thing is puzzling and seems to have cropped up rather recently. I’m not sure what the kickback is to the owner, although I’m sure it’s something. I am unsure whether that’s the only reason, however.
The vet and farrier - eh - I don’t receive any benefit from other boarders or trainees using either - maybe some people do. My vet bills are my vet bills. An additional horse or two doesn’t split the farm call that much (maybe a discount of $5 or so?), and my farrier definitely gives me no discount for bringing him additional clients (he doesn’t need them - the guy has plenty of business in multiple states).
BUT - after having experienced some of the vets and farriers that were here when I bought the place - one over-tranquilized a senior horse for major dentistry and the horse was left alone for 3 hours, gurgling in a stall (owner promised they would be present for the procedure because I charged a small holding fee for the use of someone else’s vet - which is reasonable considering I have to rearrange my whole life to accommodate your schedule, and the owner was cheap so they didn’t want to pay it but then didn’t hold up their end of the bargain). Another used a farrier who only came every 10 weeks or so, and definitely not on any sort of regular schedule so the hooves were…bad. Mine comes every 5 weeks on the dot, and I hold at no charge (again, because I’m scheduling).
So - though it seems unreasonable, some of those things I get. Plus, if I’m responsible for the optimum performance of a horse, veterinary care and farriery are high on the list of things that can affect a horse’s performance (as well as feeding, exercise, turnout, and other parts of care).
Now, paying an extra fee to be on a show team? I don’t know, does that go to support the stall banners and the jackets and the grooms and the rest of those things? If so, that makes sense.
Some people like that stuff - you don’t - so don’t go to those barns. Make your choices. You have that right.
You can still show at a rated show without those things. It’s just harder.