I do believe it is an economic problem, in that people are not secure in their job, housing, and life enough to bring new people into it.

Think Maslow's wotsit of needs. And I think back on where I grew up, what my parents did; they got married early 20's, and were financially secure enough in blue-collar jobs to afford a house twice the size of the one I managed to finally buy at age 32. With that house and the luxury of being able to make ends meet on a single income, they were able to raise three kids.

Meanwhile nowadays a lot of people have to work their ass off just to keep afloat. You can't have a healthy relationship if you don't have the time or energy for it, you can't raise kids in a shitty shared apartment, you shouldn't have kids if you can't take care of them because you have to work.