The end result is still the same when you average it out. If your ratio is 4 to 1, the average wage of 1 child care worker has to be split between 4 adults, meaning that if they are being paid equal amounts, 25% of net income has to go to child care.

Even if that money actually comes mostly from the top 1%, the average money per person works out to the same. This explains why the cost is so high. With regards to explain why the cost is so high, if that cost is being paid by the parents directly or by the rich via taxes and subsidies is not a factor in that cost, only in how it is paid.