@voulezvous
At no point in Iggy's writings did I see him/her make any claim of being a vet. He/she appears to take the businessperson's point of view - words to the effect of "we are not a charity" and so forth.
However, they gave the game away by missing the subtext of eariyam's reference to being responsible and neutering her cats. It's supposed to remove all motivation for tomcats to roam (which is how they end up run over) and a real vet should know (and acknowledge) that.
However, as that recent Horizon programme revealed, female cats also roam but seldum much more than 2 or 3 properties away from home turf (in a suburban street, I mean). We don't know if it was a male or female cat but it makes no odds in this case - both would be curious enough to cross the road to investigate a neighbour's garden.
So, it's possible to re-read Iggy's response and instead of seeing it as overlooking the neutering reference, he/she is merely stressing that neutering does not transform your moggy into a house-cat which never crosses the road ever again.
Re: suggestion of an NHS for Dogs?
In a roundabout way, it already exists. We all pay an insurance premium (Tax&NI) and some of us are unfortunate enough to need treatment. The 'claim' part is rendered invisible. I might start a separate thread to see how people would react to virtual NHS billing
The difference with animals is that the 'group insurance' has a smaller number of potential members, to begin with and, at present, only a self-selecting portion of those pay their premiums and get to make claims.
You could just as easily put 5-10 quid a week into a savings account and draw on that when needed with no worries about claim refusal. However, I've met people who do not trust their own self discipline when it comes to splurges with money, so an insurance company is the way to go, for them.
Overall, I do have genuine concerns that pet insurance is precisely what is propping up high prices set by vets but that is as much as I will say here as it inevitably stirs the privatised NHS pot and disrupts the OP's thread. I will save it for a thread of my own.