That's mostly because for most of history, they didn't have much control over it.
Contraception and basic sexual education changed all that, as evidenced by the sharp decrease in teen pregnancies.
> People aren't generally willing to have kids if it means abandoning their efforts to achieve the most comfortable modern lifestyle that they can.
That's a minority opinion.
Around 12% of the (US) population actually pursues this, in their view, comfortable lifestyle. The rest consistently indicates either same or a larger number of desired children than they have:
https://populationconnection.org/blog/survey-americans-want-...