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My husband and I chose not to have biological children and there are so many reasons for it. It's not even just one big one - it's multiple huge ones. Lack of support systems for parents and childcare, finances (we are ok for a couple, but there is no way we could comfortably afford even a single child), healthcare costs alone will break you, the future of this planet is not looking so hot (or rather, VERY hot actually), carbon footprint of another child on the planet is huge, and I refuse to bring in another soul to become a slave for our corporate overlords. And I am not even listing any personal reasons, which there also are - these are just things that are happening in the world overall... and the best the politicians can do is pikachu face that there is no population growth. Because, ya know, 8 BILLION of us is not enough.
As a parent with two kids you are spot on about the financial aspect. Kids get hurt/sick a LOT. Their immunity is still developing, so we ended up in the ER almost several times a year. We had good health insurance, but it still broke our bank because of deductibles.