Please let's stay factual. With 2 children, it concerns a taxable income of 105k€, that's 130k€ gross per year!!! We're talking about 6500€ net per month here. That should easily be enough to pay off a 150sqm place even without the Baukindergeld. No one here is starving!
I also planned without Baukindergeld. As I wrote earlier, it's about the principle. There is a Polish proverb: "One should not make asses out of mouths," meaning you should keep your promises.
Oh, so it can be easily managed....our construction, due to the local land prices, has a volume of 520,000.
That is not something you can easily manage.
Of course, no one is starving....but that applies to no one who is building.