I'm don't think you understand people who choose not to have kids when you say:
"I don't think people who don't have kids will ever know what they're missing, they'll always see the money they take as opposed to the moments that make it worthwhile".
As someone who knew I didn't want children when I was a child myself, money never came into it. It's an inherent need to not have children, just like most women have a strong, inherent, biological drive to have children. Money doesn't come into it. The child-free by choice are different to couples who say they can't afford to have children. The child-free, like me, do not want children at any cost.
Also, you can't miss something you've never had. I can never miss having children and I never regret not having them. And, I don't "see your life as hell" at all, it's your choice and one I'm sure you're happy with.
I just want to be clear to all that someone who is 'child-free' (as in by choice) is not that way because of any external factors: money, housing, lack of partner. It's like knowing your gay. It's just who you are. If I really wanted a child, no amount of climate change, doom and gloom, lack of money would probably stop me. I'd go ahead anyway. But I'm not programmed that way.