Children are a responsibility not a right. If you work hard and still struggle... maybe don't "sow your seed" to the sound of £185,000. Maybe if people envisioned parenthood as a £185,000 purchase they would reconsider, probably not though.
But if its not a global pandemic, it could be sickness, a job loss, a divorce etc. as has been mentioned, there is always something, and that something needs a basic level of planning. Some layer of savings. When you consider bringing a child into this world, it should be a very strong consideration that "can I afford to feed and cloth a child, as well as live and put a rainy day fund in place". If the answer is no, then don't have a kid or make changes to get to that point.
and yes, there are plenty of other things the government don't do correctly. Doesn't mean that I have to agreed on this.