Right, I think we’re running into the limitations of a scarcity-based system here. Even many well compensated couples would face having to make major tradeoffs with their economic stability, careers, time spent with the kids, retirement, quality of life, etc, and are accordingly choosing the path of least risk.

Even the most generous countries aren’t fully compensating for the costs of raising a family, and the assistance offered by many is less than pocket change. It’s only natural that incentive is going to be low.