This is such a truly horrible thing to say - ‘if it isn’t happening naturally there is probably a good reason’
I had NHS IVF ICSI in my twenties due to medical issues both sides. It was cheaper for the NHS to give us a cycle than the surgery to fix my medical condition. We then self funded a second round, (by a clinic who wouldn’t have taken us if not for our successful NHS round as on paper we were highly unlikely to be successful, and the private clinics care about their stats), then we won the fertility lottery and our third was conceived naturally.
Three beautiful, incredibly intelligent and tall (ie not genetically ‘defective’) children. No difference between the IVF and natural conception. We have had 25 years of unprotected sex and his is the only natural conception.
The reason we couldn’t have kids naturally was due to a medical defect (me) and childhood cancer (him) which brought our combined likelihood of natural concept to almost nil. There is no ‘higher’ reason.
To the OP: I know plenty of people who have had IVF. I don’t know anyone other than me who had NHS cycles. Most of the women I know were in their late twenties and early thirties. I know only one person who was 40 and she self funded from an inheritance, having been previously unable to afford it (she spent her ten year marriage trying naturally, undergoing tests, trying and failing to qualify for NHS cycles, trying to save for private cycles, then her marriage breaking down which she attributes to the stress of the years of infertility). She had four goes in a year as she was racing the biological clock. She was fourth time lucky :)