“But, the phenomenon of animal crackers remains problematic and part of a wider culture of speciesism.”

^^^

the "I'm a very responsible person" argument completely fails when you realize insurance (in the ideal case, admittedly our insurance system is really broken) is there for the cases where you'd really have no way to pay. like, surprise! you're the one 35 year old in hundreds of thousands who has some weird cancer and treating it costs $$$

or you get hit by a car and no one can find the driver, or... really a million possibilities