The first problem is marriage itself. Our culture has emphasized the individual to the detriment of nearly every form of relationship -- from spousal to friendship -- leaving us not only increasingly isolated but unwilling to venture out beyond the screen for personal contact. Men are stigmatized as having a toxic masculinity and women who marry are stigmatized as being oppressed or even enslaved by men or by the very institution of marriage. We have not only redefined marriage and who may be married but we have made marriage unattractive and incompatible with the modern ideals for personhood, independence, and individualism.
The next issue is children. Children are a big reason for marriage and if children are no longer on the radar of people considering marriage, it is harder to make the case for marriage. Children have come to be seen as necessary evils in our modern culture. We idealize youth but not childhood. We farm out childrearing to the daycare centers and tend to the essential family needs while trying to keep a balance in which we have time for ourselves. Watch the home shows on TV and you will hear people insist that the must haves are a home office for husband and wife, plenty of recreational space, informal space, and a spa like master bath in a bedroom no longer just for sleeping. What you often do not hear is the desire for family space or space for children. Look at the size of our automobiles and you will see that downsizing the cars and SUVs has left us with room for two kids, at most. That either tells you that you should not have more children or it says the automakers have read the writing on the wall and will not waste their time making any more minivans or station wagons. In any case, if you do have a child, you do not need a spouse and if you have one child that is enough. Finally, the child you have has become a sort of status symbol (for your financial security) or a hobby interest more than an essential part of your identity. The same with the spouse.
Until we recover the honored estate of marriage and deem honorable the roles of husband and wife, it will be hard to finance the family back into existence. Until we are willing to see children as essential to the shape of the marriage, it will be hard for financial incentives to entice unwilling people to have a child or more than one. What must happen is nothing less than the restoration of marriage and family as the most honored of estates and essential to the hopes, dreams, and desires of the individual as well as the society as a whole. Here the Church has something to offer. Instead of trying to pander to those who turn up their noses as these traditional institutions created and ordered by God, we need to preach and teach marriage and the family more urgently and more eloquently. It is a false choice to say that our only option for avoiding irrelevance is to embrace same sex marriage, friends with benefits, domestic partnerships, cohabitation, and the ever burgeoning array of sexual identities. In fact, this is exactly what will kill marriage and the family and the Church.
If we look into the Sunday school rooms of the average congregation and wonder where the children are or the pews and wonder where the families are, we have no one but ourselves to blame. We thought the government could shore up the weak foundations of these vaunted institutions so essential to both church and state and failed to catechized the children generations ago into the order God established for our human lives and society AND for the Church. That failure is now unmistakable. We were so preoccupied with talking to our kids about condoms and drugs that we forgot to instill in them a positive view of marriage and the family. We were so busy telling them how bad homosexuality and gender fluidity were that we forgot to tell them how holy, godly, good, right, and salutary are marriage and family. All the money in the world from the government will not restore the tattered image we have left to our children of that which reflects God's highest good -- husband, wife, parent, and child.