I wonder this too. Everyone I have heard (that I know in real life... not saying anyone on here before I upset anyone) has only complained about things like, can't go on a holiday, can't afford the car they wanted and have to get something different, can't do reno's etc. Not one of them mentioned buying a cot, baby seat or anything for their baby.
When I had DD I bought everything in the lead up, all the big items I just put on layby. The baby bonus was just that when we got it.... a bonus.