What title says,
unless one is well off himself one should not be having kids, this is my opinion.
What about you?
1. Children are necessary! That's a fact!
2. If you don't have money, it doesn't mean you shouldn't have children. It means you need to rethink your position and start earning more to give your children a good start in life. It's not about a multi-million dollar inheritance — it's about health, education, upbringing, and a happy childhood.
3. If you are not going to improve your family's standard of living, you should probably think about it and make a decision to change it, because this limitation will always hinder you and create problems.
I like all the points you've made above, because having children is a necessity for the continuation of our lineage, preventing the breakdown of the lineage that has been in our family tree since our parents.
And while having children is purely a responsibility, not just a natural instinct, we still see many people live with average economic status still able to support all their family's needs, their children are like other people, even if they are modest. Most importantly, we don't always have to measure that every happiness that is born must always be with money.