I believe you are partially correct. It can indeed go this way. I've seen both ways. When planned a child can be the best blessing of your life. When unplanned its a gamble. Not sure if I want to gamble a future humans well being. Its up to the person to decide if they are ready and willing. A stable happy family is key. A one night stand oopsy is unlikely to turn into that. If we had no abortion imagine how many of those would happen. All the poor kids.
I have news, youthful forum member. More children are unplanned than planned.
Even those who use contraceptives can miss a dose, have a malfunction, or just be careless. Once is all it takes sometimes.
My wife was on the pill until we got married. Afterward, it took a year and a half to "succeed." We weren't trying to have a child, but neither were we avoiding it. We figured, let nature take its course, and if it happens, it'll be on its own schedule.
If people "planned" to have kids at the optimal time in their lives, they'll eventually be too old -- which happens to a lot of couples. You don't have to have the nice house, big savings account and be debt-free to start a family. The optimal life situation may never come. Plus, there's the "I'm not ready" mentality. Few parents ever are ready. It's a learn-as-you-go opportunity..