Officially supporting families who have more children than their income allows encourages bad parents to have (and neglect) more children so that they can claim

Officially supporting families who have more children than their income allows encourages bad parents to have (and neglect) more children so that they can claim additional benefits from the government. We would be better served by loss-of-income insurance, where people who made reasonable choices based on their income and then lost it would be able to continue supporting their families.