I'm a millennial and have also chosen to not have kids (vasectomy) for similar reasons - it's expensive, the world feels unstable, and mental illness is pretty bad for both me and wife. However I don't fault people who highly value having kids, and I think it's an extremely human trait to want them with a higher priority than anything else.
Unstable is the default state of the world. Throughout history there have only been a few brief periods of relative stability. Now we are living through a reversion to the mean.
