I think an underrated aspect is how much a couple is expected to willingly sacrifice to have kids. Financial mobility, career prospects/growth, hobbies, leisure, and retirement preparation are just a few of the things that have to take a back seat for both the mother and the father on top of all the things that impact both individually (especially the mother). At minimum, kids are like a boat anchor on all of those things. Naturally, for many people this can make starting a family look a lot putting an end to their personal lives until retirement.

Some might say this is selfish, but on the other hand it’s kind of weird to expect anybody to commit to that for the sake of some other party, whether that be society, the government, peers, or parents, particularly when none of them are doing anything of substance to help mitigate those impacts in exchange.

And that’s without even touching the financial security angle. It’s unpleasant to have to struggle and scrape by as an adult, but absolutely terrifying when there’s children involved, and for most couples the likelihood that they’ll need to struggle at some point is much higher if they have children. It’s understandable that people don’t want to risk that if they don’t absolutely have to.