NEW YORK — Not long after Crystal Springs started her new job at a large insurance company in midtown Manhattan this year, she realized that a much bigger chunk of her paycheck than she expected was going directly to child care for her 5-year old daughter. Springs had dreamed that the job, which allowed her and her husband to make about $200,000 a year combined, would help provide a comfortable middle-class life for her family in Ozone Park, Queens. But as bills mounted and her daughter’s routin