Surely this is an option, but the risk is higher than ever. If you win the genetic lottery - good for you but cry havoc if you don't and not well-employed/have savings... chances are that you and your loved ones will have a miserable life.

I'm not saying people shouldn't take the risk, but it does seem that more people are either not willing to, or the risk profile changed since 70s, or both.

>This is because you think too much. Most people just have kids and figure it out, same as it has been since the beginning of time.

The data for the past few decades (near universal fall in birthrates and increasing mother's age at birth) clearly indicates otherwise.