A friend of mine is in a dreadful situation. She has been married for close to ten years, and has suffered many miscarriages. They were all very early on in the pregnancy; she has not been able to carry any of her children beyond five to six weeks. The doctors tell her it is unlikely she will be able to have a child naturally. Of course, they have suggested trying IVF, but she has refused because it is immoral.
Her and her husband have become resigned to the fact that they will be unable to have children of their own. They have looked into adoption, but because of their very limited finances, it simply isn't an option (as an aside, it is shocking how much an adoption costs!).
My friend has told me that her and her husband have ceased entirely from engaging in the marital act because they don't want to be responsible for any more unbaptized children dying. It's clear she has been driven to despair, as she punishes herself because the miscarried children died without baptism.
I want to tell her that she bears to blame for this, it is something of a curse of nature, and that she and her husband do not need to forgo the marital act. However, I only want to tell her this if it is actually Church teaching, and while it seems right to me, I simply don't know for sure.