I don't know about Finland, but in the US with housing costs so high and so many people literally living paycheck to paycheck and medical debt bankrupting people, there are so many people that want kids but simply can't afford them.
Friends of ours were charged $90,000 for the birth of their child after there were some complications and the baby ended up in the ICU. There had been a mix up with heath insurance papers and they got it sorted out, but many people simply have to pay.
The US healthcare system is insane. I don't understand how it is a superpower, or why anyone other than the wealthy that benefit from it, would defend it.
Abbott is a US pharma:
Pfizer another US:
But hey - the land of the free!