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Our insane economic success (in markets that aren't completely whack to to TRBL gov't intervention like healthcare, education, and housing) has allowed people's standards for how much they spend on children to go through the roof, rather than standards magically rising on their own beyond our economic means. Perhaps one could argue that child rearing is one of the few areas where there's a one-way ratchet, such that any increases in standards are 'locked in', such that any decreases in economic ability present significant challenges and drive huge decreases in fertility, but it really seems quite unlikely, especially given that we're still not significantly struggling economically by almost any real measure and that TFR doesn't really track things like recessions all that well. I'm much more likely to believe that it's general cultural/status factors.
Children are expensive, and have become far more expensive over the past century, in currencies which we have not become wealthier in, namely time and effort. Once responsibilities are non-delegable, no amount of money can make them lesser, and anyway cost disease and regulation has made most delegation of even the reasonably delegable parts of childcare out of reach to all but the wealthy. Except for the underclass, who simply fail to pay the extra costs.
I think the economic term for the phenomenon you're describing is 'opportunity cost'. That seems plausible to me, perhaps even likely. It's a similar explanation to what I've heard given as the reason why people seem to think they're always "busy"; they just have so much damn money and economic power/opportunity that choosing to not spend your time traveling, skiing, whatever, has a higher opportunity cost.
But I would stress that this is not strictly lack of material wealth or access to affordable goods. In any event, I had forgotten about this explanation, and would consider it a contender with other murkier cultural/status factors.
You can look at it that way, but I don't think it gets to the point. Parenting children is a lot of non-delegable work that takes up time. It's less that you could be doing other things in that time and those other things have become more valuable (which is "opportunity cost") than that the time has increased, and the attention required during that time has increased. That's an issue even if the only thing you could do with the time was no more valuable than it was a century ago.
I don't know why this would be the case. In papers I've read that analyze the results of the American Time Use Survey over time, they do observe that time spent has gone up, but they mostly attribute it to people feeling like they have to take their child from one activity to another and do all the things. That's kind of a sub-phenomenon of the general opportunity costs -> more "busy" result. Since people are so productive and so wealthy, they feel like they have to "do stuff" with their time (stuff that costs all that money they're making), and whether that's taking a fancy trip or taking your kid to fifty-three activities, it all feels like the same phenomenon to me.
Backing out, though, it really is just a different claim to say that children are more expensive, monetarily, in terms of the purchases required (with the intermediate step being that material wealth hasn't kept up with the increased monetary requirement) and saying that people are so wealthy that the real resource being budgeted and subject to opportunity cost is time. It brings us to substantially different conclusions about the underlying dynamics and possible policy considerations.
That time counts!
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