I'm going to play with your title here and make a corny analogy!
Fireproofing is something you beforehand, to prevent a problem...so in the same way, perhaps people who are on shaky financial ground should wait until they are more stable to have kids.
Now the question will come up: what about people who cannot get on stable financial ground? I don't know. Cross their fingers and hope for the best? That's what seems like is happening a lot.
Personally, if I...