I would think a handful of post college aged kids trying to break into coaching would jump at the chance at the higher youth levels. Build a little resume and move up the ladder similar to what assistant h.s. coaches are doing.
Someone would have to financially well of to take a job that requires hundreds of hours a year for 3k to coach youth hockey if there kid was not involved. Sure there may be some who do it or supplement their incomes other ways but let's be realistic. Vast majority of all coaches are "daddy coaches" and many of them do a great job.