There always has been such a financial crisis, and there always will be. Just say Baruch ha-Shem. Having large families is for us a “feature” and not a “bug”. The law of supply and demand (cf: Adam Smith) will dictate that the level and expense of services offered (the supply) will fall so that it is in equilibrium of what families can afford (the demand), and this will a happen without any fancy committees doing anything.
Note that “middle class” is always a relative term – once it meant that everyone in the family had their own bed, the parents didn’t sleep in the same room as the children, and you had something other than potatoes to eat during the week.