Many times a B might wind up in rescue because the owners didn't contact the breeder… however it could be for a number of reasons. I think the biggest is that they are embarrassed to call the breeder telling them for whatever reason they need to give up their pet. Or they have not stayed in touch with their breeder or lost the contact infomation. And of course there are breeders that are unwilling to take back their dogs... it is usually only a responsible breeder that has a contract. And then there are the ones that do contact the breeder and then get upset when they find out that their pet might be a kennel dog until rehomed?..... so then they go to BRAT and do not disclose the breeders name. Many organizations will find out the breeder if possible and let them know that one of their pups is being given up... and responsible breeders will step up and take the pup or make arrangements for someone else to take the pup.
I did have one of my puppy owners contact our local club looking to place his pup... of course they called me.. and I called the owner. When I asked how come he just didn't call me first it was totally a case of being embarrassed... of course he was double embarrassed cause when he contacted local rescue.. they of course called me. But it all worked out fine in the end
On the subject of a money clause... I guess this is a good reason many people have a bad taste about some breeders and what their demands might or might not be... For me the most important thing is the home first and the happiness/well being of the pup. Not if the pup is shown in the show ring, doing performance events, and/or possible breeding. If a male, I might request not neutering until I was able to collect semen to keep frozen, but other then that I really do not put demands on owners other then to provide a happy, safe home.