Money and time are fungible on a societal level. If you throw up barriers to entry in the form of time and/or money you will get less of whatever it is you're throwing barriers in front of.
I completely agree with the comment and I have 4 teenagers.
In fact having children has made me more acutely aware of the issue, not less. Because now I have more things I want to do, and face more barriers of both time and money that I have to trade off.
You also have a better quality of life than 100 years ago without needing to spend much money, why would you need extras like health insurance, or an education? Why would your wife (I assume you're a dude) need or god forbid want to work? It's ironic that 100 years ago is your baseline for success, yet you are posting your opinions using such futuristic technology as the Internet.
Car seats are just one example of a barrier.