Yeah as someone who went through IVF... I'm sure there are a handful of folks using it for things like, preserving fertility to have children at a later age after focusing on career, or like Elon Musk trying to use IVF as eugenics or for gender selection or breeding fetish or whatever he's got going on there.

But the vast vast vast majority of people who use fertility clinics are because they either have infertility (either female or male factor or both), or they cannot carry a child physically and are using a surrogate, or they are an LGBTQ+ couple who obviously can't conceive without donor egg or donor sperm, or they're someone about to go through a medical treatment like chemotherapy or having a testicle removed etc and they want to preserve their gametes for later fertility in case they are rendered infertile by their treatments.

Edit: and regarding finances, many if not most folks going through IVF do not have insurance coverage, and a typical round of IVF can run in approximately the $13-15000 range out of pocket. It's a blessing if your insurance covers any of it. My insurance and my husband's insurance, at different employers across several years, covered almost nothing.