It might be an unpopular view here but I don’t think it really has anything to do with finances.

The survey posted is literally showing that it is the primary reason. And it didn’t ignore your concerns:

Nearly a quarter (23%) of Millennials and Gen Z without children do not plan to become parents, primarily due to financial reasons. Furthermore, 31% of Millennials and Gen Z who say they don’t plan to become a parent attribute this to the social and political world their children would inherit.

The idea that the world is so hopeless it would be wrong to bring kids into it is real, but it is absolutely not the primary reason. Unless you have a source that says otherwise.