I don't know anything about this vet, but will he not work with you on payment? Many vets will treat dogs in urgent need on a payment plan or for a discounted rate. The vet does have some money upfront. Perhaps you could work out some sort of payment schedule for the balance or put part of the bill on a credit card, so the surgery can be done? If not, maybe another vet could be more flexible. Leaving the dog at the facility on IVs seems like it might make the bill larger and prolong the dog's discomfort or pain. You're in a hard spot, and I wish both you and your poor dog the best.