I know there’s a lot of “whys” but not getting married, not having kids, living with parents, etc all compound to remaining a child in some sense and this is continuing well into the 20s and even 30s for a large portion of the demographic.
When it comes to 19 y/o women the fact most internet people would find it gross that 1) highly fertile and 2) desired by old men - is a reality. We tell old men these women are too young yet also won’t admit it’s because they are in some sense still children.
You don't need to have given "definitive thought" to your entire future to not be a child anymore.
I can only speak as a man. I spent my late teens thinking with my penis instead of my brain. Things worked out well for me by pure luck.
Most teens have no real experience with “real” relationships or what makes a great life partner. This is CRUCIAL when parenting. They’re also not thinking about a stable career so they can actually support a baby. Never mind the money…most jobs in the U.S. have garbage health insurance, unless your employer is great.
Many people THINK they know what their life should look like. Then again most teens think they have life figured out lol. A tale as old as time…
I would say mid 20s is an ideal time from a maturity perspective. The best time depends on the person obviously. You can’t plan falling in love. :)
Governments need to make COL more affordable, birth rate will go up naturally