"Daddy, can I have some apple juice? I'm as thirsty as people who live in the desert who didn't bring any water."
Her analogy is too on the nose, but it got the job done.
Sophia: Daddy, why does it cost money to have a baby?
Me: Well, the hospital helps us deliver the baby, then they ask us to give them money for doing that.
Sophia: What if you don't have any money?
Me: I guess you might get in trouble somehow if you don't pay any money.
Sophia: I have some chocolate coins...