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I used to know someone in HS who wanted to do this just to "keep her man". I did my best to talk her out of it and thankfully, she never pulled through with it. I think for younger girls to do this it has a lot to do with insecurity, they think having a child will somehow make the guy feel neverending pity for them and stick around. They also view the child as someone that will love them unconditionally. Maybe they've been through some things that make them feel as if they are unworthy of love from others.
In the case of older women choosing to have babies, I believe this to be a personal choice that probably takes a lot of thought. Women who are independent and have worked hard to have a certain type of life may feel like they missed out on their chance at finding a suitable partner. I think in this case, it's common for them to feel that they shouldn't have to wait for a man to fulfill their dreams of motherhood and rightly so if they are financially able. Women in this category however, tend to be extremely honest with their wishes and actively seek "donors" because they don't have time to play games.
Accidents happen, if you don't wrap it up then you're pretty much taking a 50/50 chance depending how well you know said girl. I even know people who get pregnant using all precautions. Sex is risky business and people should be prepared no matter what.
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