Same with any hospital visit here afaik. Most hospitals have a loophole if you can't pay, you can dispute the fees, they check your income, etc.. like others have said I think it affects your credit score either way. But it's all part of the privatized healthcare grift.
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dunno, my sister hired a midwife to handle the birth. i heard it was cheaper than a hospital visit but I have no idea of the actual cost.
I haven't looked too deep into it because I don't plan on having children, but it's probably cheaper to have the kid at home. I've met a couple people who opted for the home birth and they were glad they did.
(I've also just personally always thought giving birth in the bath with water would be the way to go if I ever did it. Feelings that it might be easier for baby to be born into water and not directly into cold air after being in the warm amniotic fluid so long.)
Bathtub. Car. Alleyway. Crippling debt that, while shouldn't be impactful on credit score, will still follow you for your lifetime.