great post. this is something i think about a lot. i'm 37. i don't have kids and have never been married. why? all the reasons you've listed. i also have a few i'd like to add:

today, marriage is a contract humans sign with the state in exchange for tax benefits. these benefits incentivize child birth. they also reward parents who stay married while raising their kids. what does that mean? the king needs subjects, and he's willing to pay to get them.

in the current system, your government-incentivized child will be given a number, and propagandized into the machine through school and media. what does the machine want? they want you to show up to work on time, take out college loans, buy a house, and make more babies. be a good person, and you will fall in love and everything will be great. i call it the disney ideal.

traditionally, marriages were arranged by parents for practical reasons. bakers married other bakers because each had been raised by a baker and already knew the ins and outs of the family business. now we get married for love, a fleeting feeling that often leads to divorce, a different form of financial ruin and debt slavery.

the world needs people, but do we need more than 7 billion of them? probably not. if you have always dreamed of having children, by all means, do that. but if you think it's a bad thing to give birth to future debt slaves who will be trained to fight in wars by a government bent on global domination, there should be no shame in avoiding the path of our forefathers.

thanx for beginning to normalize this important topic. i believe birth rates will be one of the most important topics for humanity moving forward.