The OP's opinion seems too categorical to me. On the one hand, the OP is actually right. On the other hand, if most people thought the same way, then humanity would have died out long ago. In general, why is there such a dilemma that turns the birth and upbringing of children into a problem for the majority? This is a consequence of the catastrophic growth of inequality in society. In essence, rising inequality is beginning to limit population growth.
But if you look at it from the point of view of an individual, then rejecting heirs because they are expensive to raise is simply absurd. Then everything that this person has earned in his life will go to no one knows who. So he ended up earning money not even for his own children, but essentially for other people's children. Isn't that silly?