Which fallacy involves inserting personalities inappropriately into an argument?

The correct answer is personalization.
This is a type of fallacy where you involve somebody's personality into an argument, even though it is completely unnecessary or wrong to do that. For example, if you are going to a dinner party and you are late, and the dinner is overcooked (completely unrelated to you being late), you might start thinking that it happened because of your tardiness, whereas that is obviously not the case.

This is what i found on google “eightin 1997, the mccaughey septuplets were born in carlisle, iowa. multiple births of as many as eight babies have been born alive, the first set on record to the chukwu family in texas in 1998; one died and seven survived. in 2009, a second set, the suleman octuplets, were born in bellflower, california.” i was surprised about this . i don’t want to have that many babies .

You don’t list any options but the one that frets overspending and the consequences of that.