I'm going to play the devil's advocate here and put out an opinion that having children is a choice (hopefully), and so living paycheck-to-paycheck also seem to be a choice in this case. It may boil down to defining what choice means, in the extreme "choice is doing something that I don't need to survive" and then IVF meets the definition (but then almost everything else meets it as well...).

Definitely not going to defend the way the original opinion was communicated though...