“But it won’t be enough for two BMW SUV’s in the driveway of a five bedroom McMansion and annual overseas vacations. So little will change.”
Don’t be so pessimistic, the only constant is change and the current dearth of children cannot last forever. Once the baby boom generation meets Jesus or, more likely the devil, things will get better. Supporting that generations retirement is sucking so much money from young people that they cannot afford kids.