Apologies as I have not read the whole thread. I am not a GP, but am at an age where many of my friends are becoming GPS.
The OP and many, many of the comments seem to think that GPs are retired, elderly, comfortably well off; nothing could be further fr on the truth,
My group of friends ( 50’s to early 60s’) are still working , as the cost of living is hitting us too.
None of my friends where SAHMs; we worked , mostly with children getting childcare , often patchwork childcare.
The idea that parents could bring up a family on one wage or salary was well gone by the time I was getting married ( 1980s), at least where I lived.
Times are very hard, I really do get that, but it was always thus, except on TV Land.