Df, tbh I think that most people just assume that it will be available because most people don't have to consider that it won't. It's like any treatment - if you haven't had it then you don't know or even need to know that it's not always available on the nhs. There are certain cancer drugs for instance that aren't available on the nhs, but most people would just assume that if they were diagnosed with cancer whatever treatment was needed would be available to them. It's the same with fertility treatments.
And we all do it. We spend years trying not to get pregnant, taking the pill religiously, and then worrying if we've missed one, what if... Using condoms and rushing out to buy the morning after pill if one splits and hoping to God that we're not pregnant. Getting apprehensive if period is a day late.... We spend so long not wanting to get pregnant that it doesn't occur to us that maybe we can't.
It certainly didn't occur to me. I came off the pill and casually said that "oh well it might take a year to get pregnant so we just need to relax," but never did I think that it actually might take a year, or more. In fact I pretty much subconsciously expected to be pregnant the first month, because well, most of the people I knew had done just that. And then i didn't, after a month, or two, or three, or twelve... and after about six months I started to think something might be wrong, but we persiveered. I was lucky, I fell pregnant after thirteen months, but when it came time to try for my second child I was more open to the fact that actually, it might take a year, so a year came and went, then two, then three, and in the meantime we were told that chances were slim, and five years on from deciding we would complete our family with a second child it never happened. IVF wasn't for us, but whether it was or wasn't wasn't something we did or really could consider until we were faced with the reality that that was our only chance of conceiving a second child.