The chovos halevavos is very clear about the chiyuv hishtadlus and being responsible when it comes to health and finances. Would you say if a person bought a Lexus convertible or paid revenue (ch"v) for a cx f ticket and couldn't afford it that God will provide exactly the same as he would have otherwise and he would have just the same? Not saying that having more kids is irresponsible (although I certainly see situations when I would think it is (when a meshulach comes collecting for his ten kids, three who are blind, two who have cp, etc. and he has no means tosupport any of it)) but please cool the rhetoric. And calling someone a kofer is not something to be done lightly and has serious ramifications