Having a baby is a normal life process, which we have medicalised and interfered with to the extent that many people, like CranberryMartini, think we need hopitals and doctors to ensure a safe outcome. For some people a hospital delivery is the best, if there are problems with the pregnancy or if the parents anxiety levels would not let them deliver comfortably at home. But for the majority of women, home birth should be offered as a viable alternative, not just for the enlightened few.
There should not be a huge mess in the house after delivery, just as there should not be a big mess in the hospital room after a normal birth. If there is, things have probably not been straightforward. Towels and sheeting is fine to catch the mess.
As for infectious bugs, there are probably more bugs in your house than in the average low risk birthing unit, remember these are just women like you having a baby, not surgical or medical patients with their c. diff and MRSA etc. And although the cleaning in some places might not be great, it really doesnt need to be sterile to be clean. Your shower at home probably has more microbes than the hospital shower unless you clean it every day also - they both probably contain the same bugs - but they are your bugs. If you wouldn't get infected at home, you wone t get infected in the hospital shower. (Grossed out - maybe)
Care in hospitals is not always bad - many people have a really great experience, and even though I consider myself a good m/w, I wont spend the whole shift in a patients room - they need time to labour in peace and to spend time with their dh and not have me standing looking at them all shift. They have my undivided attention when it is needed. But some people get very poor care in hospitals - its just the luck of the draw. There are some midwives who will only do the basics for their patients and have a very high c/s or instrumental rate. And YOU dont know who they are when you come into hospital. At a home birth, there are not many of these types, as they will not do the job or will put you off having a hb. You are much more likely to have an entusiastic and positive m/w, rather than just a jobsworth.
Costs are just numbers - the hospital gets money for each type of care it provides, it gets x amount for a SVD, x amount for doing extra obs on meconium babies, x amount for a hb. It is irrelevant and should not concern you as a patient how much it costs. Hospitals waste a huge amount of money on unnecessary tests and treatments each year, so this is really nothing in the grand scheme.
I would say that if you are thinking of homebirth - then go for it. If its not for you then that too is ok. You have to feel comfortable with what you choose.
Sorry if this rambles on a bit.....