That's right, as it stands at the moment, families with children are both a minority and do not have a good balance sheet. And the prospects to start a family in the first place are non-existent or barely incentivised.
On debt: You're absolutely right, when it comes to business, debt is more or less normal because you reinvest and the money never rests and is always in circulation. Which is a good thing.
I would separate company and private accounts here. According to this model, a family that has the right to vote as a household would not be checked for freedom from debt via business accounts (if so is such case) but via the private accounts of the individual members. Maybe that's not the right word, but what I mean by that is a kind of Schufa report that checks whether someone is creditworthy, for example. If you own a home, someone thought of you as worthy of credit, so that would not count as debt.
As I said, it's not a fully developed concept, but I can also imagine that people once started to think about elections and voting rights in the same way in the past. In the very first republics, for example. Yes, in order to eliminate the land mines, intelligent folks must work together and one day, if time is ready, release such new concept into the world. It never will be perfect but "good enough" is often good enough.
It may be that the reputation aspect is a nonsensical idea on my part - i.e. ‘freedom from debt’ or economic success - can be omitted altogether. Because it can be automatically assumed, for example, that families with several generations under one roof are already considered a success and other evidence is superfluous. The simpler, the better, is the motto, I guess.