They could make not having kids more expensive than having them and I still wouldn’t have them.
Most people I know with kids can’t afford them and still have them. And most people I know with money don’t have them. In a way it seems wealth is inversely correlated to having kids. It’s not about money, it’s about having interesting stuff to do with your life, and having the education to know what a terrible economic decision it is to have kids.
That’s as if, in a conversation about the necessity of owning a car to buy groceries, you asked whether being able to afford a car means owning a Toyota or a Maserati.