I should have never had children as I set out at 19 to try and find out WTF this is that we are living in. As fate would have it; the cult of 33 got to me at 33, and my offspring were brought into this world via a somewhat well connected masonic family. I don't talk about it but it did change the trajectory of my life forever and taught me about trauma--something I had never experienced up to that point in my life.
Haha, I get to talk about myself on your post!
You're quite correct that it's going to get crazy this century and money is the only thing that will buffer most children from coming difficulties. So don't bring kids in if ya ain't got the dough. I guess some folks can do it old style out in alternative living sectors but one has to be physically and mentally strong as raising kids is the toughest thing on earth as far as doing it correctly.
There is an old adage: know thyself. You're also assessing from a post-conventional moral stage and can see that things that have happened negatively to you can negatively affect raising children. That is a very well developed sense of ethics--almost that of an Enlightened Being:)