Whisky's thumb

Whisky had an appointment with the orthopedic doctor again today about his bum thumb....again. He broke the wrist on mother's day last year, had surgery to fix that, and then in March of this year he somehow managed to snap his flexor tendon in his thumb on the same hand. He had surgery to repair said flexor tendon in March.
Last Thursday he said it felt like a rubber band snapped on him and now yet again he can't bend his thumb at the knuckle. So we go to see the doc and he gives us two options, wait and see for a month to see how much movement he can get, or the only way to repair it now is to go in and do a tendon harvest and totally replace the flexor tendon.
Why us? Why now? We have spent thousands of dollars on medical bills in the last 11 months on his hand and he still doesn't have full use out of it. So where do we go from here? The only reason the tendon snapped in the first place is because the metal plate the doctor put in his wrist when he broke it rubbed on the tendon for 9 months until it finally snapped.