I can attest from personal experience, finances are 100% the reason me and my partner can’t have kids right now. Its very hard to justify brining a kid into this world when its hard to maintain stability for 2 adults, let alone with the costs required to raise a child.
We were evicted from our last home for no other reason than the greed of our landlord. That stress would have been tenfold if we had to go through that with kids.