Depends where you live. In The Netherlands I get the doctor visits for my toddler reimbursed by (mandatory) insurance. My problem is rather that I need to make (precious) time for a doctor visit. Time is money.
Over-prescribing antibiotics is bad because (1) some children have serious allergic reactions to them (and sometimes these develop over time), (2) they contribute to the evolution of antibiotic resistance.
Current guidance is to wait a couple days to see if it clears up, and only if it doesn't after several days then see a doctor.
You would not have hearing damage after just several days.
That's not to say just ignore the earache, but you don't have to go to the doctor to get a diagnosed for couple days. Only if it's still there after a couple days then go.