No. You know that
Anyhoo - I don't think it's too late to call one of the 'local' IM's to discuss your situation, and the possibility not only of paying off their services after the birth, but for a lowered fee, given your circumstances. I know of one who lives near one of my favourite markets ( ) who would be up for a conversation about it. She can be an advocate, and/or, if needed, can help you birth at home if it came to that, for any reason.
If you have to do it at home, you'll be ok. I think it's also reasonable to expect that you'll make it to the hospital Part of your apprehension is an anxiety that, whilst it has a basis in PAST events, has very little bearing on the present situation. The Ob is assuming you want intervention, because he's probably used to women who think the promise of interventions is reassuring and will eliminate the reasons for their anxiety. I know you don't, but it doesn't mean you don't have that anxiety - just you don't have the delusion that interventions will fix it. Make sense?
Anyway, I think you'll rock it, I REALLY do, and I wish I could put my confidence into a powder and mix it with my chai, I would