Your barrier sounds like some other anxiety issue unrelated to economic status.

You know how important swimming lessons are and yet just gave up and skipped it entirely? Or are you actually privileged and had other swimming lesson options for your kid and just didn’t want to bother with the affordable system’s constraints?

Lots of lower middle class/poor including me when I was growing up went to this without a problem. 25 cent public bus ride with mom was an adventure

How long are you from being poor? Are you poor now? Did you raise a child while poor within the last 5 years?

Public bus rides in my area are 9x your cost, and 4x that cost for elderly people.