Also universities will have declining enrollment

Naturally. Fewer people = fewer students. A smaller country would have fewer students, and a larger country would have more.

Enrollment rates matter more than how many are going, and universities will adjust.

pension funds will have declining contributions.

There will also be fewer pensioners to look after, so not as many contributions are needed.

The real problem with pensions is that people are living longer, so they get money over a longer period of time. Adjustments to pension contributions are more likely to reflect that fact.

But we are talking about a lower birthrate, not a zero birthrate. These "problems" are happening a percent at a time over decades... society would have no issue adjusting.

It's a cycle, too. It's rough out there, especially if you aren't lucky enough to have generous and wealthy parents. Schooling only does so much if the jobs in the field are still taken. Degrees aren't the guarantee that they used to be for a stable income. It's tough to even support yourself.

There are poor social supports. If you do have a kid while you're struggling, you get a lot of anger over not being able to provide for them, regardless of if it was your choice to have children. You see this happening almost everywhere. You don't want your possible kids to suffer or go without necessities, either. The current easiest solution to that problem is to just not have them, if at all possible. Of course, people complain about that too.

I would love to see articles about industries failing that don't blame young people. Many of us don't have the excess funds to really even make that choice ourselves, tbh. If I'm struggling to pay bills, of COURSE I'm not going to spend it on menial things that aren't necessary.

Edit: Don't even get me started on the backlash that happens any time someone tries to help young people earn adequate money. Not doing anything is more comfortable, so people don't care to voice for their own wages to also increase. Instead, they prefer for other people to struggle to afford even the bare minimum. Of course many of us feel hopeless.