No, that’s a BS answer.
You cannot take responsibility for a living animal and fail to care for it and then shrug and say “welp, it’s better than a long trailer trip to Mexico.”
No one is forcing people to care for horses they can’t afford. Meaning you must be able to afford routine medical, dental, farrier and feeding. And you must be prepared to treat (not ignore, or treat at home) minor injuries that are not life threatening (and therefore would choose to euthanize.)
And I agree, you need to have a budget for euthanasia.
No one NEEDS to pay for colic surgery or for major treatment/rehab for their horses. Many people think they are worth it but lots do not.
But if you can’t afford the routine care for an animal - don’t get one. Put your money in the bank and save it until you can.