This is a very nuanced issue, and I won't be able to explain my thoughts without someone whatabouting it.
And while you're right, it is absolutely insane that we blame individuals for the exploitive nature of society.
Kids are expensive because businesses realized they could charge whatever for everything and then run ad campaigns about how bad of a parent you are for not buying their product or service. Simultaneously cutting every public, infrastructural component that used to support parents.