alt Hacker NewsThis (rational) attitude is why state pensions need to have a strong correlation with the number of children you parent until they complete secondary schooling -- there needs to be a financial payoff for the time, effort and money invested; those children are the ones financing the state pensions.
The people planning for retirement are mostly past child raising age; the best way to have bugger families is to encourage low standards and unprotected sex amongst young adults, which is the exact opposite of the public health and morality pressure my entire generation and those that followed me have been on the recieving end of.
That said, medical tech is speeding up like everything else, so non-human surrogacy, artificial wombs, longevity meds, are all likely to impact this balance on similar timescales to such a cultural shift.