I get you. Partially.
Here's where we disagree ( I suppose). The thing is, you can't control shit and you gotta be aware of that. Not you, but pretty much majority of us. There's certain risk at everything. We may not get to live the next year, who knows what may happen. But we still go on living and we don't think about cancer. I was saying even last year that I expect an economic collapse, I still do expect it, so I'm aware that we'll be in deep shit. Still, imo that is not the reason to make such a harsh decision not to have kids. I don't know about you, but I lived here during the 90s where we faced not only sanctions but hyperinflation that's like top 3 ever faced. I'm not saying that I'm proud of it, but lemme tell you one thing, it sure made us tougher compared to some snowflakes. What I mean is, we still managed to finish school, eat, grow up and turn into decent people. Did we miss out? I guess. But missed out on what? I missed out shitload of things honestly, but I can't say it made me a worse person. If anything, there are more good people among poor folks compared to spoiled rich brats. And no, I'm not saying it's better to live poor. Just stating the fact how money influences certain groups.
And again. It's fine if you say "I'll think about kids in 5 years". That's cool I guess. But if your girl is 35-36, imo that act is quite brutal as you can "miss out" on having a family with a girl you love. It's just an example but you get what I mean. It's fine if she's 20. Shortly, many factors should be considered but imo people are so tinny creatures that they shouldn't plan so many things because it's impossible and the cost is way too big. Stopping life because some things may happen is scary. Not just that, but even if does happen (financial collapse e.g.) it doesn't have to mean the end of the world per se.