That is the answer, alright... but the leftists would cry out “mean spirited”, “racist”, etc...
And those with soft brains would cave.
This is the responsibility of the Church. And the gov’t intentionally pushed the church out of this role.
I agree - and the majority go along with it (and complain), because the alternative is to address morality. Most efforts to prevent pregnancy or childbirth have a limited rate of success, and one reason is that many people (rightly) reject the pro-death contention that pregnancy and children are bad things. It is not a sin to be pregnant, not wrong to give birth.
What is wrong (cue gasps of horror) is engaging in sexual relationships outside marriage, and this is wrong whether or not a child is conceived or born. But "we" as a society can't say that, because that would require addressing our own behavior, instead of that of some "other" group such as teenagers, minorities, immigrants, and so on.
BUT, all that aside, the evidence is clear that the incidence of unmarried childbearing directly correlates with the amount of financial benefit for same. The young women doing this may not be "smart," but they are acting rationally based on their perception of the incentives. When the incentives are changed, the behavior changes as well, even among the least educated and lowest social class.