there are two schools of thoughts about this I think ...
I think people who are trying to scrimp and save, would be too
stressed to engage in "free recreational activities" ... I suppose
unpaid bills have the same effect as a cold shower ? ... 
people who never had much in the first place, of course, would
not be bothered by little trivalities like unpaid bills or putting
the next meal on the table ... that's why you see hundreds of kids
around the slums everywhere from brazil to the phillipines ...
I tot it was more of a how much lower can you sink sort of
thing. Or rather cost benefit analysis.
If you're well-off, having children will be a burden to you and
won't really make your life better materially.
If you're poor, then having more children means more hope for
your future if they turn out to be genuises. and you can't get much
poorer anyway.............
