The Initial Credit in Life Comes from the Child

Getting married early and becoming a father early makes you look more reliable than someone who doesn't.

Bosses think: this young guy is reliable—he's a dad at such a young age, so surely he'll be motivated to work hard and take responsibility for his family? Absolutely. He's capable and obedient, and不得不obeys. His burdens are heavy, so he definitely won't take risks. He has a wife and kids—he's worth investing in.

This is using children as collateral for expectation management, paired with personal capability to build up creditworthiness.