In older days, somebody like her would become a housekeeper for a middle-class family and learn by observing how rational people handled their lives.
Now the middle class is supposed to pay her to not work, and the tax load prevents them from being able to hire somebody to help around the house, so the middle class is too stressed out to have as many kids as are needed to keep civilization going
I'm considered middle class, but I know one thing (but only one thing), the top 1% pay 33.9% of all the taxes and the top 5% pay 53.3%. The top 50% pay over 96% of all taxes.
So this isn't an issue that the middle class pays for everything, while the rich AND poor get away free.
It's something I've said again and again, you've just written it. People who had kids out of wedlock like idiot teens, etc. would work to help the middle class function. Now the middle class pays for her education while the middle class struggles to survive.