You're right. We're getting a flood of hand-wringing articles about the "fertility crisis", but outright blaming women is a bad look if you're not madly right-wing so mainstream/left outlets have to blame the economy instead. Because if the answer is simply that people prefer a child-free life, even if they could afford children, you can't really do anything about that and you just have to accept a plummeting birth rate.
Not one woman I know who really wanted children has ultimately let financial uncertainty stop her. (I'm not talking about women who popped babies out into destitute lifestyles, I'm talking women who worried about money because of self-employed precarity, or job losses, or uncertainty over where they'd have to live, and had babies anyway.)
On the other hand among my child-free friends, money is sometimes brought up as a factor, but just one of many, and even if the couple were ambivalent rather than actively not wanting kids, they ultimately didn't have a strong enough desire for them.
I know people who had fewer kids than they wanted because of financial worries but I don't know a single person who really wanted kids but then had none because of money.