[inglor_cz]

I live in Czechia where basically everything you demand is law of the land, no one except rare uninsured foreigners faces any medical bills at all, we don't even have tuition etc., but our birth rate still isn't stellar. It moves the needle only by a few tenths of a kid, compared to our European peers, and our absolute birth rate is comparable to the US one.

I don't believe it is about the money anymore. People love sex, but they don't necessarily want to have children, and once efficient contraception and sex education is available to everyone, the subset of "unwanted kids", which might have been more than half of all kids born 100 years ago, mostly disappears. What remains are the "wanted kids", and the harsh truth is that quite a lot of people want 0 or 1 kid at most.

People also aren't even having that much sex lately. The epidemics of loneliness is real. Tell me how you are going to have kids if you never have a BF/GF. That is not something money can cure, this is a deep societal dysfunction mediated by smartphones.