I suppose it depends on what kind of society you want to live in. Is a family something that should only be available to those who can afford it? Should we compare having children with buying a new pair of shoes or having a car? Or is it something that we want everyone in society to have available to them: for example like quality healthcare or legal assistance?

I'm not trying to pose a rhetorical question. I think this is literally a choice that societies have to make. On one extreme, society does not have to cater to anyone. We could collect no taxes and have no shared services. We could have no rules about how companies should interact with their employees or society at large. At the other extreme we could make everything a shared service and have society dictate how people get access to things.

Of course neither of these extremes is desirable for most people. We have to decide where to draw the line and what we think is good for our society. Your comment seems to imply that the choice in this case is obvious: if you can't afford children you shouldn't have them. However, I think you can imagine the suffering that could impose upon people who have little chance of being able to support a family by their own means.

Is a child a luxury like new shoes? Or is something that we want everyone (regardless of class or wealth) to be able to have (understanding that society will have to foot the bill)?

Even though I have couched the question in a slightly loaded way, you might be surprised that I am personally torn by this issue and can see huge drawbacks for both approaches.