[imtringued]

Uh no?

The fertility crisis is an entirely individual crisis. You are a parent and you raise children

Your children's pension contributions are paid out to someone else, leaving less for you.

Having your own children no longer ensures your retirement, so you don't have them in the first place.

The problem couldn't be more individual than that.

[trumpdong]

You're describing a systemic problem. An individual problem is: my paycheque is next week but I need to pay rent this week. That's a problem specific to me. A systemic problem is: paycheques aren't big enough to cover rent any more. It's a problem that affects a large number of people. Systems are comprised of individuals but describing a systemic problem from the perspective of one individual doesn't change the nature of the problem.

[toomuchtodo]

Having children in no way guarantees they will provide for you in old age. Stop by your local retirement home and ask how many kids stop by to see their parents. Free will is a thing, children are not assets.