There is certainly no guaranty the next puppy will not have a problem, but there it certainly does not need to have HD just because this one does.
Breeders do not make a ton of money on puppies. If they break even -- if their total dog-related expenses -- dog food, veterinary care, toys, treats, grooming, shows = the amount they bring in on puppy sales, they are doing very well. For me, my dogs can either eat OR go to the vet, if I was only shelling out, what puppy sales come in.
It sounds like you can make a ton if you have a litter of 9 puppies, and you keep just one, that is eight puppies at $1500, or 12k. If you get $1500 for each. But subtract 4K for the vet, and 4K for food and you are down to 4k. If you got that much. That sounds like one hip operation. $100 for a set of classes, $120 for a weekend show, $100 for licenses and fees, $720 for sales tax (yeah the buyer is supposed to pay that, but when you say $1500 they want tax, title, and out the door for that. No one wants to hear that they have to pay another ninety some dollars for sales tax). Before you know it that last 4k is gone long before you have covered anything.
So what you have are breeders who can replace a puppy a lot easier than pay for a surgery. And a whole lot easier than returning the purchase price of a puppy. If a breeder agrees to do that, the buyer does not want to hear, "Well Xara will be having a litter in April, so I should be able to pay you the $1500 in June, when I sell the pup that would have been the replacement puppy."
I am sorry, but it is what it is. This is a live critter, and the person producing them is not a millionaire. If they could they would probably be happy to help you pay for the surgery. Or they would return your purchase price, and so long as you spay/neuter they will let you keep the pup -- leaves them the trouble of finding a loving home for a pup with a problem. If they could they would just for the good will. But as I say, most breeders are registering a loss each year from this business, and they put a lot of hours into it. And at the end of the day, a living being can be born with a problem.
Your puppy looks very sweet, and very beautiful. If she is in pain, there are 4 types of hip surgery, not all of them make sense for they type/severity. Femoral head removal is one an the total hip replacement is another. One, they scrape the head and maybe the socket, and I don't know if that buys you time or what. The least invasive is the cutting of the tendons that put pressure on the hips and press it into the socket. The dog can still walk and run, etc, but the majority of the pain is gone because the pain is from the rubbing/arthritis between the head and the joint.
Lots of dogs do just fine without ever having surgery.