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> As an adult you are supposed to produce more than you are consuming.

Can't I just produce enough to support myself? Why would that be immoral?

As long as you still don't rely on others when you get sick or old, I guess it would be ok...

There is always the age old pension scheme of having a child to make up the difference

If you want to give back having a child is the worst you could do. Not having a child would give more.