There's two things I think you've overlooked. One thing is that politically it's easier for benefits to remain sticky if everyone benefits from it vs a subpopulation. That's why universal income has stronger support than welfare benefits. Additionally, when you don't have means testing, the bureaucracy is a lot more straightforward and politicians can't mess with it by effectively cutting the program by increasing the administrative burden.
> We are lucky that we can afford to do this.
This is the second piece. What about people who are on the margin who aren't wealthy enough to do this and the subsidy would hep them achieve this? The subsidy could help the mom stay home and maybe do part-time work from home even. The thing that's easiest to miss when you're well on one side of a boundary is only looking at the other side of the boundary instead of also looking at where that boundary is drawn.
> We are lucky that we can afford to do this.
This is the second piece. What about people who are on the margin who aren't wealthy enough to do this and the subsidy would hep them achieve this? The subsidy could help the mom stay home and maybe do part-time work from home even. The thing that's easiest to miss when you're well on one side of a boundary is only looking at the other side of the boundary instead of also looking at where that boundary is drawn.