I would agree that not all systemic problems are top down, but many are, and there are "secret cabals" dedicated to creating and propagating such systems. It doesn't make sense to me to define systemic problems as strictly random, since humans attempt to create top-down, complex systems constantly (especially post-WW2 in more modern society).
> People living paycheck to paycheck seems like it's always been a thing even when they had larger families.
Different eras, different issues. In agrarian times a large family was an investment in future labor, and as a retirement/continuity strategy. In modern society, adding children is a significant expense, and with the easy availability of birth control, it's far more of a choice. In both cases, people were following the rational incentives that society has created for them.
We can argue about whether the current economic circumstances are random or top-down, but in either case, if you change the incentives for having kids (universal healthcare, affordable childcare, food/housing security, etc.) then you will get more kids.
> People living paycheck to paycheck seems like it's always been a thing even when they had larger families.
Different eras, different issues. In agrarian times a large family was an investment in future labor, and as a retirement/continuity strategy. In modern society, adding children is a significant expense, and with the easy availability of birth control, it's far more of a choice. In both cases, people were following the rational incentives that society has created for them.
We can argue about whether the current economic circumstances are random or top-down, but in either case, if you change the incentives for having kids (universal healthcare, affordable childcare, food/housing security, etc.) then you will get more kids.