Sorry, this is going to be a bit self pitying...
I can't help but think with the way things are in this country it really can kick the people who try and do the 'right' thing and work hard to support themselves.
You get people who work full time and try to save up for a house deposit. Who say they won't have children until they can afford them, who want to have a home of their own and a stable career first so they don't have to rely on the state. In today's world this can take years, which means many people delay starting a family until their mid-30s or later. Then there's a chance of fertility problems etc... and when they have kids they have to spend a fortune on childcare and probably work full time in order to pay for their family.
Then you get people, like many I went to school with, who popped three children out before they were 20. Who have been given a house, benefits etc from the state. They say themselves there's no point working as they would be worse off. They don't have to think about whether they can afford another child as they know they will be looked after.
It really feels there isn't enough support for those who chose option 1. Really, the people hit hardest are the working class/lower middle class.