Outside the financial realm, what I see in the modern phenomenon is the constant need of luxury, middle class wasteful lifestyle, fame, career achievement (by becoming top 1% or 10% in work), asset accumulation, none of which is impossible without sacrificing large amount of leisure time and current community one has. As the result, majority of time humans spend their time in workplace (Around 50-60 hours per week). Which begs the question, if anybody prioritize financial security and career so much and willing to sacrifice large amount of their leisure time, why some busy people feel there is a need to have children? The natural state of children is enjoyment of leisure activities. However, people generally do not enjoy leisure activities and children are not productive member of society, so how could one withstand to nurture such creatures for 10-15 years (for first child, not counted for second and third child and so on)?
For religious and traditional people, that is because they believe it is a divine mandate to do so. However, I saw a lot of religious people want their children but do not enjoy of children for what they are. Every inch of free time is used to either voluntary works, part time jobs, or their full-time lucrative work. And then they pay other people to take care of children. This is done for the sake of financing middle class lifestyle. Society is also paying lips service on getting people to have children for future economic growth. Except that they do not want to pay that bills. If they are willing to pay bills, they will not develop artificial intelligence and sophisticated machinery to automate large percentage of available jobs to replace ‘costly’ human. Jobs are only available for the smartest, and most obedient members of society which are willing to agree to this nonsense. By this incentive, one can see that pretty soon society will not sustain itself. Neither machine nor robot will buy stuffs that they themselves produce. However, leaders of the society want us to believe that regardless of this nonsense, our life is actually meaningful because we work for them to finance children that we never see because of our 50-60 hours per week work.
So in the society whereby everybody is obsessed with work, asset accumulation and financial security with both religious and secular people, why should one strive for having children? You should not!