Except life doesn't always work that easily. I had a very good life. A high-paying job, ExH had a excellent job. We were earning good enough money to buy a house in an affluent part of SW London and live very comfortably. ExH pulled his weight around the house, he was doting on me, we were together 12 years before getting married, living together for 8 of those, because I wanted to make sure he was the one, not rush into anything and focus on my career. Then we had a much-wanted child. Just like all the statistics, abuse starts after pregnancy. There were no red flags, to the point that even my own family didn't believe me at the time. I had to leave, but being on mat leave meant I suddenly required social housing and couldn't afford to raise my child on my own without support, at least not until we divorced. I was in an exceptionally lucky situation that I had funds, I owned a house and I had parents wealthy enough to help me with DD's costs. But even now, with a new job in a more affordable area of England, with my own home, it's far from the life financially i thought I'd be in. I can see how someone with a house with far less equity, or earning the national average, would struggle far far more to pay for their own child in my situation.
My sister had been with her husband for 4 years. 2 weeks after my nephew was born, her husband was diagnosed with stage 4 cancer and died 6 months later aged just 23. She couldn't afford the mortgage payments and childcare bill at the same time so she sold the house and moved back in with my parents.
There was a fundraiser at DD's school last year to help raise money for the family of a school mum. She'd been diagnosed with Alzeimers in her early 40s. Her child was in Year 5.
No one can predict financially what will happen. You have no idea how life will pan out or what shit you will face.