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While the cost of children, lack of support and stagnant wages are definately a factor, birth rates have declined even in countries where income inequality is lower and support for parents is higher.
It is not going to be an easy problem to solve.
Its not a problem. A consistent population is much easier to plan for financially and socially.
Yea it’s only a problem when you need to perpetuate a pirimid scheme.
But declining birth rates won't lead to a consistent population, it will lead to a falling population.
The replacement level birth rate is 2.1 children per woman. The US is at 1.6 but the yearly population growth rate is trending back up due to immigration. Worldwide the birth rate is still at 2.6. Experts estimate that the population will continue to increase up until 2060 before it will start to plateau or gently fall to a homeostasis.