I'm not sure the "various other reasons" are unrelated. Give people a comfortable, secure life and they will be happy and productive. Chip away at that and you start to unravel every other part of society.
It's bad enough that we have to work for most of our waking hours for ~45 years, but this used to achieve a middle class existence and relative security, an essential basis to form a family.
Now you can be a working couple (twice as much labor as before) and struggle to achieve middle class basics. And even if you do, the world is so volatile that it can be taken away from you on any given day.
