What I don't understand is why anyone feels the need to be so judgy about this. How about you just decide not to contribute, instead of shaking your head at how unevolved or "selfish" or whatever you think those people are? Or at the very least, maybe you could learn about infertility and solutions to it so that your opinions are based on information instead of assumptions?
If a couple can't have children the usual way, and that couple lives in the US but not in one of the handful of states that mandate infertility coverage in healthy insurance, then all the choices cost tens of thousands of dollars.
Want to "just adopt" (haha, no such thing) domestically? Prepare to spend $30k-$40k and potentially have one or more birth moms back out on you after you've spent a major chunk of that money on their health care, legal fees etc. And also, prepare to possibly not be approved in your home study (are you too fat? Too old? Too unhealthy? Not rich enough?). And prepare to pass your home study but then get rejected by birth moms because you are the wrong religion, wrong race, wrong sexual orientation, wrong profession, in the wrong neighborhood or location, or whatever other reason may cause a pregnant woman seeking adoptive parents to not like you as much as she likes some other prospective parents. Also, be aware that there's a small chance you could get sued by a birth mom or birth dad and have a court order you to return the child at some point down the line.
Want to "just adopt" internationally? Again, prepare to spend $30k-$40k, plus $5000+ in travel costs, and to wait 2-5 years to bring a child home. Also be prepared for the fact that even after you are matched with a child and have spent most of the money, that child's country might change its rules so international adoptions are no longer possible, or aren't possible for adoptive parents in your country. Also be prepared for the fact that given the conditions of its infancy and toddlerhood, your child may have health problems and/or learning disabilities that will cost you thousands to remedy, if you can remedy them.
Want to try IVF? Actually that's a lot cheaper, on the order of $12k-$15k per attempt, and many clinics offer packages such as "pay $25,000 and get up to three attempts" (i.e., if it works the first time you've spent more than you needed to, if it works on the second try you come out even, and if it takes all three tries you've saved many thousands of bucks). For most couples where the woman is under 40 at each attempt, three attempts will do the trick, you'll be parents within a year or two, and you may even have some frozen embryos left over for siblings.
Want to try donor egg IVF, because the mom is over 40, has been diagnosed with premature ovarian failure, or has bad eggs due to cancer treatment or a genetic anomaly? That'll cost around $20k-$30k, although as with regular IVF there are package deals (e.g., for $35k you get three complete attempts with donors plus the use of all frozen embryos resulting from those attempts). Donor-egg IVF has a far higher success rate than regular IVF because by definition the egg donors are highly fertile and young. On average three attempts with donor eggs will make parents of 80%-90% of couples who try, and not only will you be parents within a year or two, the child is at least as likely to be healthy as if you'd had kids the natural way, and you're not going to run into legal problems (e.g. birth parents trying to get the child back, countries changing their laws right before you were supposed to go get your child, etc.).
And if the cost of IVF or DE IVF in the US is too high, there are world-class clinics in the Czech Republic, Spain, South Africa and elsewhere that will do IVF treatment for around $4000 and DE IVF for $6000-$10,000. Depending on how far from there you live and how flexible your work schedule is, that can make you parents for far, far less.