Pain relief is a major reason to go to a hospital. There is no safe way to get pain relief in a home birth. It is obviously a very personal choice.

> if anything goes even a tiny bit sideways you just throw your hands up and expect to lose both the mother and child

Of course not. This wrong in two important ways. Midwives are medical professionals. They can administer medicine. Most notably they can administer Pitocin to stop hemorrhage after the placenta is delivered. This is the most common cause of maternal death during labor.

The other way this is wrong is it ignores the option of transferring to a hospital in an emergency. Midwives assess medical risk and can make the call to transfer. Delivering mothers who are overwhelmed can also make the call.

> And you actually pay for this?

The midwife model of care has many advantages over common OBGYN practices. As one example midwives are often delivering 2-3 babies a month instead of many every day. As another example the person delivering your baby is someone you have actually met before and have built a rapport with. Some hospitals try to make this happen with doctors but it is commonly not the case.

Overall the tradeoff is worth it to many people -- it's about 1% of births in the US.