In a sort of backwards way, it's almost like people in their 30s need to be offered a secure mini-retirement to feel like it's reasonable to have kids. (Not to mention housing being a pain.)
This alone says a lot.
If you were to step outside society and design something from the ground up, one of your easiest assumptions would be "larger families should have easier access to larger housing", wherein reality the exact opposite is true.
An aggressive federal housing construction plan targeting families would do an untold amount of good.
an 18 year auto loan sounds like a bad idea. but $15k (nominal) per year is less than state university tuition.
Reasoning from first principles is depressing sometimes.