And honestly, if they can't afford a hospital birth, chances are they can't afford a homebirth midwife — who are
generally not cheap, who will not
generally make
payment arrangements (or rather, will not make the same type hospitals make, payable after the fact and in small
monthly increments for years; midwife
payment arrangements tend to be along the lines of «Half the fee at the first appointment, and the other half a month or two later»), and who will not deliver a baby without having been paid in
full prior to onset of labor (I don't have a statistic, but it seems most midwives have this particular
payment policy, and
payment is non-refundable).