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Let's say there's a wonderful young woman who perfectly matches your type, both in appearance and personality, and in terms of her habits and lifestyle. She genuinely loves you, but she has a child from a past relationship, a result of her own foolishness and naiveté. What would you do? Would you say, "Sorry, guys, they'll laugh at me and call me a cuck"?
She's no longer my type if she has a child as a result of her own foolishness and naiveté. And it's not about what other people will say. It's simply very off-putting on an emotional level and perceived as extremely unpleasant. You don't want to pay off someone else's debt? The bank employees are polite and pleasant, their office is excellent, and the terms are not bad.
You say not to fall for the "bait," but I think it's better not to fall for marriage in general, especially if you live in a post-Soviet country where life is in communal apartments, and almost everyone has some degree of mental illness. In our time, there are billions of ways to satisfy your intellectual and sexual needs without sacrificing all other aspects of life.
Well, I was mostly joking about "falling for it." Anyway, no one here is going to fall for anything.