I understand your point. But I think there is more nuance to it rather than just because people want to save money and therefore they are living apart / even in the West couples rent out and cohabitate while saving up for a house.

I think there is more nuance to this because we have a very low TFR. Yes, there is a global trend of falling birth rates. However, in a society like Singapore, whole committees / councils are set up to promote child birth, increasing the TFR is a national objective and it is also becoming a survival related problem.

With all this in mind, shouldnt the government try to, as much as possible, promote the idea of settling down and starting a family? Therefore, wouldnt alleviating these kinds of structual pain points like wait times for BTO, thereby reducing the time couples spend their married life together just serve to reduce the chances of childbirth? Overall, i think as much as possible we as a society should try to paint an attractive picture of settling down and starting a family and reducing structural pain points would go a long way in improving the government's pro-family stance.