How do you implement this as a policy or political belief? When we were having our 2nd kid, there were complications that killed my daughter and almost killed

How do you implement this as a policy or political belief? When we were having our 2nd kid, there were complications that killed my daughter and almost killed my wife. The trauma caused us to need to move closer to family and I went several months without a job. We relied on family to help us pay bills. Should we have lost our first kid because we didn't think things through and plan enough financially? I didn't consider when I had my first kid that several years later I would be dealing with trauma that would derail my life and career. Everyone seems happy now and we have money, but your point is that I should have never started a family at all since I did have a period of time where "childcare was too expensive"?