For a lot of people, delaying to settle down and have family is a choice (like for myself), but you are right that conditions are being created to dis-incentivise raising a family.

I think South Korea could provide a model to encourage more birth rate. They created a new administrative capital city where it is more family oriented. The result? Explosion in birth rate. In the following years, other places replicated the model and South Korea as a whole experienced more birth this year for the first time in nine years.