I think whether or not you 'pay' to have your child (twins or not) you should be committed to loving them and caring for them, shouldn't you? To me, having a child IS a commitment - you don't need IVF to show you have a commitment to your child/ren. As much as I love my (IVF) son, I don't expect I love him anymore deeply than a mother who conceived naturally. I don't think IVF or the amount of money spent necessarily equates with the amount of love you will give your kids.