I suppose if we followed OP’s logic to its conclusion, we’d find that when it comes to parenthood: you must be this net worthy to ride.
(And there are other reasons, that are more important)
But it is a life choice. Other ones are to become an artist. But barely anyone says that anyone who chooses to be an artist (bad or not) deserves for "someone else" to foot the bill for their life.
Or maybe you'd be happier we me saying that yes, in the same way that you must be this net worthy to collect fancy cars. Makes it easier, sure. But nobody owes paying for your choices.
You may feel that having kids is an optional luxury; the evidence suggests this is not a majority perspective.
Yet there's no right to sex, and rape is illegal.