If it is, you pay for it.... Or you try.. Or you accept your dog may have a lifelong disability.
As someone who has spent well over $3000 trying to diagnose a potentially life-threatening health issue in my horse, I'm fully aware that there comes a point where you say "This is my limit". I've dropped close to $2000 in a day on him, probably close to $5000 over the years, and never once gotten an answer. When someone said "How about driving him to Tufts for a full body scan?" I said "that is where I have to draw a line". Maybe I shouldn't own an animal.
I couldn't do an MRI for either of my dogs at this point in my life. Luckily I found a great rehab vet who was willing to say "This is what it looks like, and I don't think x,y or z is going to tell us any more, and this is how I'd treat it at this point".
Don't get me wrong, I think Recon should be seeing a specialist (which it sounds like he is going to) and be resting (I admit, I didn't do strict crate rest with Gusto - and the vet didn't want it done - but very limited movement on very particular footing), and I wouldn't jump a dog much under a year over even little jumps or put it on any full sized equipment...but I'm not going to condemn someone for not taking out 3 new credit cards for a diagnostic test. Nor do I think they are likely condemning their dog to a lifetime of pain.