Consider the risk of infection. Home is far safer because the baby and his mother share an immune system, so that he is impervious to the germs to which his mother is immune. Therefore the germs resident in his own home are unlikely to infect him. The hospital, however, has an abundance of germs, germs from all the sick people congregated there. There the baby encounters a multitude of strange, pathogenic germs and infection is a real problem.
Hospital birth is increasingly expensive, partly due to rising malpractice costs.
We make no charge at all. Home birth is easier, too, because of all the support the mother receives from family and friends. She chooses who attends the birth. She chooses her position. When God is allowed total reign, He does a total work, and He does a great deal more than the simple delivery of a perfect baby.