I’d argue childless couples/people will have saved enough money to pay for their care.

At least in Poland, the societal attitude for having a child when you're poor is that you're "stupid" for doing so and a burden for society.

You can't win either way...

I guess a bit of both?

We live in such a capitalistic world by now, that most people’s happiness is, if they want it or not, tied to money. And I think society is moving further towards this.

Having kids would be a large financial burden and given my projection, would mean I wouldn’t be able to guarantee a decent living and the mental stability, because kids are brutal and societal pressures are very hard to free yourself from.

I grew up very poor and only very recently I was able to get out of debt i racked up just to survive (and sheer ignorance/living above my means, because I had nothing to lose and no perspective). I would hate myself of putting a child in that position myself.

If money wouldn’t be such a dominant force in current society, I’d very much consider having children.

Poor people tend to not understand the economical consequences of having kids. This and lack of contraceptive methods.

on the other hand, poor people don't fully understand their situation.

Do you mean poor countries? I believe fertility is most closely related to education of women. If they have other options, many choose not to have a dozen kids like our ancestors. It's both hard on their bodies, and they typically get stuck with almost all the domestic and child care duties.

I doubt it would make much of a difference. Children growing up in rural communities typically move to a bigger city as soon as they can, which is where they then find mates and start their own families. I suspect not many young people are going to give up the social opportunities to stay in a small town or move back there.