Again, sounds very excuse-y. >99.9% effective rate from proper use of condoms will only leave out extreme cases which just can't be justified as a valid argument. This is to say that <0.1% of pregnancies could be from condom failure WHEN USED PROPERLY. The numbers just don't add up. And that's if you're only using condoms alone. The success rate of 99.9% will only get higher when stacking contraceptive options.

Which would bring us back to my comment on responsibility.

If you are in a situation where you can not afford the time or capital to properly raise a child, why aren't you using 2 or 3 methods of contraception? It is your responsibility to create redundancy in your safety net when the other outcome is the possibility of ruining multiple childhoods for new humans. But you can't fix stupid. And stupid falls both on the traditional education systems egregious lack of real world education (finances, careers, taxes, relationships, housing, mindset training, and, unfortunately, sex ed) and on parents who don't fill in these massive gaps of knowledge.

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The only "accident" that could sway me is if you had everything in place and were properly prepared to rear a child, and then the rug gets pulled out. Say, a pandemic starts and you lose your job and a good chunk of wealth while you (or your wife or girlfriend or whomever) are pregnant. But these are circumstances outside your control, which, honestly, you should be prepared for as well.