I think that a lot of people make life decisions based on fairly short term and optimistic views. They look at the monthly balance sheet, rather than paying into pensions. They assume that their children won't have special needs, or that they will always have a partner and both always be healthy. They assume they'll never be made redundant.
It doesn't take much, a child needing hospital treatment for a month or two can lose a parent their job.
I wonder how many couples where one parent is pt or staying at home have thought about these things
Unfortunately, capitalism requires a certain section of its workforce to be surplus to fit with the flow of demand. That section I'd typically women and other vulnerable groups.
It would benefit capitalism a lot more if all working adults were more flexible, had less job security etc, but that would be too strongly resisted.
1950s propaganda had a huge influence in promoting the role of the sahm, it had barely been heard of before the. It was done to give jobs to men when ther weren't enough to go around.
So, yes, I do respond to people who ask questions by asking why they don't ask dh the same.