Soldato
If you can't afford to save, you probably shouldn't be breeding
Meanwhile back in the real world!
We're in a once in a century pandemic, we need to be doing as much as we can to help people. One of the hardest hit areas of the economy is hospitality, this is where many of people scrape a living on minimum wage to look after their families.
I presume you not saying that people should be "means tested" before having children, maybe if you earn under a certain amount you should be chemically neutered until you pass a threshold. If you're then unlucky enough to fall below that threshold, you know due to something like a pandemic that nobody could see coming or plan for!