The counter-argument of course is that you shouldn't have children if you can't afford to raise them, but the disincentives are there, and as crazy as it sounds people are incentivised to have a lot of children as a method of escaping work.
(Optional sad Futurama parody being: https://en.wikipedia.org/wiki/The_Cyber_House_Rules)
It should never be more beneficial for someone to sit at home than to go out and earn a living.