Not to mention, cruel towards people who are not financially ready for children and make a conscious choice to not have children without the resources for it, but get financially penalized for it.
The poor have dramatically more children than the rich on average, you don't need to be rich to have kids. Kids don't need to have rich parents to have a good live/upbringing.
"poor" is a subjective, not an objective property of a decision.
I never do anything without being financially ready. I'm a big believer in only commiting to something when I have the cash to allocate for all of it. I wouldn't buy a car, house, anything without actually having the cash for it.