At home or in the hospital?

Now some of you have been waiting for an opportunity to weigh in on this sort of decision, since so many people called me crazy for having Jack at home. Unfortunately, the only thing putting this choice up for debate is money, or the lack thereof. I trust God to take care of us either way, but this is a source of stress for me, so perhaps talking about it will help me get through it or over it.

At home:
I loved loved LOVED having Jack at home. Not only was the idea novel in today's society, but I could stay at home, in familiar surroundings, with only our germs. No new people, no foreign atmosphere, no one following procedure over what I want or need. I can't say it was exactly peaceful when I was going through a contraction but I was surrounded only by people I chose to be there in my own house.
Many people criticize this method of birth because if something goes wrong, they say, it may be too late to get help in time. This seems to come from a mindset that no one is monitoring me at all while I'm in labor at home, and that's simply not true. Our midwife, Justine, was once an EMT and is now a licensed midwife of more than 200 successful births.
She monitored me by phone before arriving, came over once I'd reached a regular pattern to my contractions and checked on Jack via Doppler and me via pulse checks throughout my labor. She carefully studied my condition throughout labor and assisted in the crowning and birth, as well as directing us in what to do with the cord and later, birthing the placenta. She examined me after the birth, applying a couple stitches as needed. I took a little too long to stop bleeding, so she sent me to the hospital as a precaution, but by the time I got there, the problem had righted itself. She accompanied us to the hospital, remained there as long as I was there (most of my stay there was to recover from the Demerol they gave me...what a doozy) and came back to the house with us.
I never felt that in any way my safety was compromised, since Justine could recognize any signs of distress and act on them accordingly.
Our dilemma is actually purely monetary: the midwife fee went up and if health insurance covers it, it's on a reimbursement basis, so we still have to shell out the money, which we don't rightfully have.

At the hospital:
I know hospitals play a very important part in successful births, especially high-risk pregnancies. I do not discount the hospital staff's expertise or the mother's wisdom in choosing to have their babies there. I do feel, however, that many of their interventions are unnecessary and more for their own convenience.
It is not always necessary to give a woman pitocin to start labor or speed up labor just because nothing is happening. It's not always needed to ripen the cervix when dilation is not happening quickly. Epidurals are useful sometimes, but what you give the mom reaches the baby. It is horrible to make women push their babies out while lying flat on their backs, since that means you're essentially pushing your baby uphill, up the curve of your tailbone.
I want to be able to walk around, sit on a pilates ball during contractions, get in a tub, and not be tied down by machines and wires and people poking around where they don't need to be. I can only have two people with me (I had Justine, John (of course), Jaimie and Jana at my house for Jack's birth). Basically, I don't want people trying to boss me around and I don't want to deal with the anxiety of people telling me what they think I should do and me having to argue with them.
Honestly, I'm scared to go to hospital. I don't care how many people have gone there and had successful births. Going to the hospital is scarier to me than giving birth at home any day. But it could be practically free with John's new insurance.

I'm stressed out about this. Again, I know God will care for us, hospital or home, rich or poor--as He always has. I'm just picky and hope that if I have to go to the hospital that I can get over my own fears.

A good movie to watch if you want to better understand where I'm coming from: The Business of Being Born.

Pregnancy Update: Morning sickness started today, so I stayed home. And I had a splitting migraine since yesterday, which already shows me that this pregnancy is different, since I never had a headache with Jack. Vomiting with a migraine is definitely on my top ten of most horrible feelings. Pants are just a little tighter.