Age of consent isnt some arbitrary number. Its what it is because thats the bare minimum age our society has decided that we feel children are experienced enough to make those decisions with a minimum acceptable amount of understanding of its implications. We think that, younger than that, too many kids are too easily pressured by others or ignorant of what they really want beyond satisfying a momentary animalistic urge. Being responsible for other kids isnt reasonable at that age.
Hell, many teens dont even know they can say no to certain people.
Girls reproductive systems are still going through trial runs at that age. They might have a chance to get pregnant, but their bodies are still adjusting and growing in response to the new hormones they've only recently started producing. You'll actually stunt the growth of their secondary sexual traits having kids that early. So its more harmful than beneficial, even if you discount the psychological impact it has (which you seem to be).
Generational homes can lessen the psychological and financial impact, but it's still a bad idea until they become more established persons mentally and physically.
Editg Disregarding any of this is just the promotion of hebephelia, as you're arguing against the creation of healthy individuals just to allow earlier procreation and marriage.
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