2 - Money. Money is the largest obstacle to veterinary care. I’m not suggesting that veterinary prices are exorbitant (though some are), or that people are cheap (though some are). There simply is less discretionary income.
3 - Commercialization. Much of veterinary medicine has become commercially-driven, rather that value-driven. This is true in diagnostic testing, drugs, and corporate practices. Veterinarians are often paid on production, which means the more that they bill, the greater their personal income. This can lead to over-testing and more aggressive treatments. In my opinion, the money should be separate from the medicine.