Honestly I don’t see a problem. We as a society have decided that we would rather be 100% safe rather than accept risk for lower cost, so we enforce strict ratios on children to caretaker ratios, license people, make in-home sprinklers mandatory, etc. $16k per child per year in Massachusetts is that cost.
For what it’s worth, none of my friends put infants in daycare due to the cost. They either got foreign au pairs or hired someone under the table for cash (very common in immigrant communities)