People too focused on finances to have kids? Excuse me, but just received

my home and auto insurance.  Both went up a few hundred from last year.  And yeah, am going to make an appointment with my agent to ask why.  But, per the auto, think i've atleast part of the answer.  About 20% of my auto premium is to, basically, foot the bill for uninsured and underinsured drivers.  And yeah, in my state, you can sign off a document for cheaper auto insurance - but going that route gives me the willies.  So, am wondering about the electric bill - what percentage is providing electricity for people who are constantly late paying there's?  And yeah, i get it:  it's winter, and the power can't be shut off - nor should it, because people will freeze to death, and that's waay too social evolutionary.

But it doesn't take a financial genius to figure out, there's alot of people out there making partial (if that) payments, and taking the rest along on casino roadtrips / down around the corner to buy pot, and then enjoying a nice steak/lobster dinner afterwards (while the responsible are at their 65f home, wrapped in flannel, and eating a cheese sandwich for supper.)

Fixated on finance??   Because ya never know what unexpected things can crop up.  Uhm, that's called being responsible.  i come from the "can't feed em? don't breed em!" side of town - the same part of town, where the folks aren't overjoyed in having to pay for other people's habitual lack of foresight.

And as the comment about people not wanting to be poor...what square-footage - with the marble island, did that one pop out?  Of course people don't want to be poor, you ninny!  Poverty sucks - hard!