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3 kids here 12 and under. If you are mentally and emotionally ready for kids just do it. That's the big secret. You will never be ready financially. Kids adapt and will be happy so long as you are stable and can provide the most important necessities like love, a roof and food.
If I had serious financial stress I cannot imagine also having kid stress. What if one needs serious medical attention or has special education needs?
I dunno. This seems reckless.
Granted in America yes those are concerns we don't have to the same degree in Canada but all things considered having a kid is reckless anyways. You either adapt and make it work or you don't.
So, possible, but they probably won't. Anything can happen at any time and you could do everything right and it could all fail spontaneously and catastrophically through no fault of your own. Its not a likely outcome though.
It only seems reckless until you step back and think about it rationally. You can't expect to prepare for everything so spend your time on more legitimate worries.