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.
But if people cant afford kids they wont have them.
Its like super simple.