I added more to my original post before i saw your message, but my addition to that post answers your question.
There will be an infinite amount of barriers to procreation if you do not prioritize it. Those who prioritize it and value family/tradition will do it in any condition. its very similar to how somebody who doesnt prioritize education will make excuses not to go to college, while another person in the same (or worse) condition will work two jobs and spend 6yrs busting their azz to get a 4yr degree.
Modern society breeds folk who prioritize themselves and their own condition moreso than the idea of family. You have folks making several times more money than their own parents had at their birth, talking about not-having-enough-money to have kids. Or like the example below