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Although politically unpallatable, there is an argument to say that the first years should be funded by individuals not the state. Or at least in respect of maternity care there is often nothing wrong with you but you need medical help to assist in the pregnancy/delivery. From a logical point of view you should save up for your baby because it is a planned event, thus freeing up resources to cover unplanned events and ailments/diseases that blind-side you and over which you have no control. However I accept that this will never happen in the real world as it is too far part of societal norms now. But food for thought.