A <noun> bum is simply someone who has realized they love something in life more than money, and is immune to the FUD of "economic security" - it's not hard to get by with a little intelligence and resourcefulness. These same people (from my experience) tend to be the best parents simply because they can switch from spending their leisure time from <noun> to child.

Economic security and a mortgage are mutually exclusive for most people.

And raising a family is unrelated to both.