Fishy, hahaha, well I'm sort of in touch with my rich Asian culture (about as much as an adopted girl can be). I'm guessing it's a combo of Asian pennypinching and just being plain cheap. Plenty o' caucasians have that problem too, haha. But gosh, I sure hope you can get things squared away and get the money you earned.
Bettas, if treating fin rot with AQ salt it could take a few weeks. The affected fin may fall off completely before it starts regrowing.
Olympia, yes, you can use metro to treat proactively.