My wife and I would soon OWN every penny to the doctor's name, and much of what he'd earn in the future. Re about the child? I honestly don't know; my wife and I have trouble imagining that possibility except intellectually. Our only choices would be to keep and raise the baby, or to put it up for adoption (remember, this is in the first month after birth; a healthy Caucasian infant would be snapped up by a first-rate family that unlike us finds adoption compatible with their values).
Anyway, the odds of such a fraud being perpetrated upon us are apparently less than one in a thousand. With the more usual way of producing babies carrying a cuckoldry rate of up to 30% per baby among Americans, this is actually way "safer" that way than the usual way. (I would have done a paternity test on an infant produced by a wife the usual way in any event, given that rate.)