People aren't stupid. They do respond to incentives and disincentives. The debt load on young people is greater than the cost of raising a child to adulthood.

People aren't stupid. They do respond to incentives and disincentives. The debt load on young people is greater than the cost of raising a child to adulthood. By the time it is paid off, the urge to procreate has gone. And those who turned baby-raisin' into a soulless, for-profit industry can choke on their sins, too.