Adoption agencies allow prospective parents to just pay money to have someone else do 90% of the work in the process, and international adoption allows skipping basically all the parental requirements.
That's what the gatekeeping is for, they probe your finances to make sure you have enough income (and a healthy enough assets-to-debt ratio) that you don't need the support payments to meet your own financial obligations
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It doesn't always work, see the infamous Hart case, but the intention is clear It's this tension between two goals - the gatekeeping is to keep people from working the system while the payments themselves are to keep public adoption from only being avaliable to the very rich
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By contrast private adoption, like surrogacy, unambiguously actually is only feasible for the elite (it costs as much in some cases as buying a house)
End of conversation
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