Basically every so often you need to sit down as a couple and do a financial audit, with worse case scenario thrown in, including what happens if both adults died, who looks after your children, how will that be paid for.
Pensions, some pensions you hand the whole lot over. We can pass ours to the kids. So saying you only get a third is not applicable in all cases.
You can be protected legally if not married you just need to pay a solicitor to draw up the documents. And take out insurances for job losses and illness.
Most people think about this from time to time. It doesn't have to be a judgement about if one of you not works.
I agree not being married AND giving up work AND not having alternative legal protection put in place is foolish.
It's boring and adult and sterile but if you are adult enough and in love enough to have a child together these answers should be a doodle.
But people are messy, they make mistakes and bad choices, most of the time it turns out ok.
It's good to use a public forum to warn others of the potential problems of a potential future. As always there will be those who ask dumb questions or make stupid comments about what you should've done, or how great they are doing it. Judgement and smugness is abundant it would seem, empathy and thanks less so.