The way I see it, parents have obligations regarding their children, but not the other way around. Children didn't ask to be born, it's the responsibility of their parents. I don't think it means that parents should sell their houses for their children, though. Parents are responsible for providing an adequate standard of life and ensuring that their children obtain basic education. Then it's up to parents how much they want to help and up to children how much they want to take care of their parents when they get older.
Viewing children as an investment into your own future is very egoistic and pragmatic. I don't think it's a good foundation of a healthy relationship.
You are totally right, using children as an investment is not a good idea and I didn't encourage that it as well
So in my opinion, I think it's very crucial to have or give birth to children we can brought up in our capacity because of the way or economic is, especially in my own country, where we can barely survive, we will have to work and work more harder to put food on our table or take care of our kids, so in that case, we are to ensure we have or give birth like 2 or 3, so that we can raise them to our satisfaction and to any level of education.
So that we won't be pressurized to sell off our things or property in order to take care of our kids.