IDK starting the baby making process isn't terribly difficult once one has a partner. It's the carrying to term and everything after that is a lot of time, money, and energy.
Some folks will struggle more with the partnering aspect than others. Or mustering the will and resources to begin parenting.
Spend some time reading about infertility at the start of the baby making process and I think you’ll find that it can terribly difficult. Especially as you progress into your mid/late 30s (women). And it is that starting process that can also cost lots of money, time, and energy.
As two-kid dad, I definitely agree that the time, energy, and cost of delivering and raising kids is HUGE. It's not something that you should undervalue at all.
But I think we have this unfortunate habit of severely underweighting the start process and things that aren't obvious.
You probably experience lots of stress over the span of raising a kid (or more). Other people see that in the classic screaming-kid seemingly-helpless-parent visual. You may also experience that same stress, perhaps cumulatively more, just from the start because it's (1) VERY stressful when it doesn't work, and (2) a situation that can drag on for what feels like forever.
So, everyone commiserates over work it is to raise a kid but few people talk openly or at all about how hard it is to start the process of having a kid.
That's why I mentioned boarding schools, you don't have to live there to send your kids to it and also it might be good for them, nurture independence and a lot of experience with a foreign culture while also giving you flexibility and easing the burden of child raising.
Some folks will struggle more with the partnering aspect than others. Or mustering the will and resources to begin parenting.