While having a child you must pay for daycare, school, evening baby sitting. Next to that if the family splits the woman is doing most of the child care alone. Sounds like to much risk.
Rich people have less kids than poor people and countries with the best social safety nets in the world also have low birth rates. so no. its not too expensive
It's like telling Americans, "Bill Gates has less operations than poor people, and countries with the best healthcare in the world, their people also have less operations, so no, medical operations in America are not too expensive". You've wildly mixed up cause and effect, and are comparing non-like things.
The people in America who want to have children are routinely priced out of having children, "kids are too expensive" is absolutely true. The existence of rich people in America who do not want children despite their wealth, in no way disproves this.