Even wealthy nepo people wait until then to have kids. A big part of it is also societal expectations. Going out every weekend clubbing is seen as fine in your 20s. Even if that specifically isn't your thing, you probably are filling your time with something personally gratifying.
Meanwhile the narrative around having kids is that your life is over after you have them. Partying? Irresponsible parent! Round of golf? You must hate your kids. Triathlon training? Better happen before dawn. Hiking and camping trip? Absolutely not.
There is this sense in society that hedonism is something to be frowned upon, when by definition it is kind of what everyone is after at the end of the day. Pleasurable activities, how awful to engage in them, so the rhetoric goes.
I think we'd see people having kids earlier if there was more acknowledgement that a balance can be successfully struck. That you won't get CPS called if you uber home drunk. Unfortunately in a lot of ways we are still living under the shadow of the puritan society and it has created not only a mental health crisis, but a reproductive crisis.