They also didn't contemplates it as something ubearable if they had to live many persons or even extended family in the same small house, including rentals, and if two persons had to work hard. Manual laborers, factory workers, etc, farmers where both father and mother worked, still had many children.
It's not like this only happened in the window between 1940s-1980s where the run-of-the-mill average job let you support your entire family and purchase a big enough house.
Exactly. I suspect the lack of understanding or overcomplicating the reason the birthrate is declining may have something to do with the much higher than average salary of the average HN commenter relative to the average worker's salary in the US. It's common for people who need to go to the doctor to avoid going to the doctor because they can't afford it. A baby is an order of magnitude more expensive than that and an ongoing expense of doctor visits and potential ER visits among other costs and logistical issues.