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People who are basically pro-social, educated, able to form a stable relationship, mid twenties or older, but aren't in any hurry to settle down and have kids, because that would be a hard change.

Which is why family formation happens far more often when socioeconomic conditions are "pro-social, educated enough, able to form a stable relationship, mid-teens or older". Robbing the young of their youth- or in this case taxing it into the fucking ground with the excuse of [insert your favorite here]- has significant and very real costs on time frames long enough that they become very easy to impose, yet very difficult to rectify, through democratic means (especially because the education-managerial complex has become a welfare system so large that any attempt to reduce it would tear any democratic government apart, and that's before considering that destroying this system of welfare would overwhelmingly affect women).

As such, the youth are getting the message "you'll never be considered a[n adult] human being[, the definition of which implies you're] able to start a family until you're well past your reproductive years" loud and clear, and they settle on playing video games until they die. This state of affairs is then subsidized by exactly the wrong people: that being "middle-class families who had children 30 years ago", and they aren't exactly energized to change things since they tend to be the kind of people who believe that nothing is wrong with this system in the first place specifically because they were the last generation to escape its consequences as children and the first generation of adults to benefit from the welfare.