Yeah, there is simply just too much risk involved in marriage and children these days if you aren't above a certain financial line. In our current environment,

Yeah, there is simply just too much risk involved in marriage and children these days if you aren't above a certain financial line. In our current environment, where you can't afford a house and rent rapidly increases each year, the prospect of losing 50% or more of your income is simply too much to bear. I'd guess that in the next 10 years, these problems come to a head, and we end up with significant deregulation of some of these anachronistic policies. But it will get a lot more dire before this happens.