When better than half your population has a small but non trivial chance of ending up in the gutter something is wrong.
The people that are hard up are people who differ from those who are getting by only small sets of circumstances.
That however does not remove personal responsibility from the equation, and it appears this is where you and I differ. I believe that bringing another human being into the world is a decision that should not be made hastily. It's one of the rare decisions in life, where every ounce of forethought and planning should be utilized. That is another HUMAN you are choosing to invoke, so you had best be sure you can care for that human and provide them a great shot at a happy life. Sadly, working for minimum wage as a waitress at Denny's probably isn't going to cut it.
Not surprisingly, I'm a strong proponent of things like raising the minimum wage, and universal health care. While I believe in personal responsibility as a fundamental value, I also believe your society should provide safety nets and support systems, to assure that everyone has a shot at raising a family, and being happy.
Truly, how dare I advocate for personal responsibility when it comes to perhaps the single handed most powerful decision any person has - to bring an innocent life into the world. How dare I even suggest that we hold each other to a higher standard when choosing to raise a child. What an insane notion, that while we human beings can put a man on the Moon, and land a robot on Mars, we should be able to consider our financial well being before copulating.