I have many friends around this age or older.

Only people who got money for flat / house from family, have kids. Others waiting as they will be financially stable.

People want to have kids, but they often dont afford them…

The same like with EVs :) ceos could cut off profits without worrying about innovation

Btw in Poland we blik, as I remember 6 polish banks has equal shares and 1/7 has mastercard.

At least there some profit stays in Eu…