If you aren't a slave to your car, you likely live in a walkable area where the cost of a 4-bedroom apartment or house is going to be pretty high. I'm not saying you can't raise kids in a 2 or 3 bedroom apartment, and when I lived in apartments many families had kids in a 1-bedroom apartment, but it's very tight and many people would consider it a significant hardship for both the kids and the parents.
I would also add as a car slave that the kinds of cars large enough to fit the kinds of car seats marketed in the US are tens of thousands more than a compact or mid-size sedan, and that in a mid-size sedan having a car seat in the rear-facing configuration significantly constrains how far back you can put the passenger or driver seat. This is true even for the narrower seats that are designed for three-across seating. And worse, you might not have the latch system or an appropriate kind of seat belt on that third seat.
I would also add as a car slave that the kinds of cars large enough to fit the kinds of car seats marketed in the US are tens of thousands more than a compact or mid-size sedan, and that in a mid-size sedan having a car seat in the rear-facing configuration significantly constrains how far back you can put the passenger or driver seat. This is true even for the narrower seats that are designed for three-across seating. And worse, you might not have the latch system or an appropriate kind of seat belt on that third seat.