Throwing money at the problem (e.g. subsidizing healthcare, maternity leave, etc) probably doesn't help. Look at e.g. Australia and other rich western nations. Per capita health care spending is very high. Per capita wealth is very high. Amount of government money spent on various family support programmes is extremely high. Fertility is still low. Lower than poorer nations, in fact.
Partly I think it's because teenagers / young adults are heavily discouraged from pregnancy. Maybe we should as a society push people to marry early, e.g. soon as they finish high school / during uni.
Consider Victorian era Britain, when the average person is much poorer, the air is heavily polluted with coal use, and the medical care is almost non-existant by modern standards. Fertility rate is about 5-6. Then it dropped to around 3 over 100 years and has been on a steady downward trajectory ever since.
This pattern is broadly replicated everywhere that industrializes.
Whatever the cause, it's not due to wealth per capita or personal health. It's probably cultural. Contraceptives / family planning definitely plays a big part too.
A few years later, the fisherman gets an expensive, debilitating disease and dies penniless and destitute and alone. But at least he had fun before that.