The reasons... Many...
No. The reason... one. The pill.
You are born in the post pill generation. The people you rail at were born in the pre-pill period
We bred like rabbits until the pill arrived
You are in the first generation/s of non-rabbit humans, something that was not possible for the last 100,000 years
By all means moan about it if you want to but a crash in reproduction was inevitable.
On the brighter side, at least you didn't get caught up in the black death or shipped off to the trenches of WW1
We all have our mountain to climb, unless we get lucky and are born in the right place at the right time.
A particular favourite of mine is: "It's better to be lucky than smart"
You lucked out kiddo, 40 years too late