In Australia we have (soon to be had?) a baby bonus. When it came out, there was a lot of talk that welfare class teenagers would have babies just to get the cash.*
At the time of this conversation between two pregnant women, the bonus was worth $4000.
"Nobody would have a baby just to get the baby bonus"
"Gosh no, it's not even enough to outfit the nursery"
This conversation was dead serious. Even if we'd had to buy everything new for the first 12 months, we wouldn't have even gone within coo-ee of one quarter of the bonus.**
* Births to teenagers, already a low rate, have continued their long term decline
** We did use cloth nappies. I rarely found it onerous. Using icky mucky disposables would certainly cost more.