B) Medicare. Every time your kid gets fever: IV. Your parents just love it. They think it is the best. Chinese people love to have their kids get blood test, X-ray for just cough... Children's hospitals are crowded by (grand)parents and kids who simply have cold (see pictures and story http://www.sohu.com/a/212568582_407108). Most Chinese people (including educated middle class) do not understand get cold is not because of cold, it is because of virus.
C) Also everybody knows: the highly competitive education system is a huge burden on kids and parents. It is common to spend lots of money to purchase apartment at good school district (xue qu fang). And many parents do this for kids going to elementary school, middle school, high school... Middle class life is not easy.