That’s because most people live in Bumblefuck, America where you probably can buy a house and live a decent middle class life on $65k a year.
If you work out of someplace like Manhattan or San Francisco metro where housing costs are astronomical, $168k isn’t buying you a “wealthy” lifestyle. “Rich” people don’t shlep themselves over an hour each way to some office to write those TPS reports for some middle-manager boss, no matter what they get paid.
In actual banking circles, for marketing purposes those people are not considered “rich”, they are “mass affluent”.
First of all, yes, odds of complications do increase as a woman gets older. But plenty of women have children up to their 30s and even 40s. That said, you can’t do much about biology so the only variable you can control is related to work.
The “bias” of people waiting to work is that people who work tend to not want to pay for able-bodied people who don’t. The economics and biology are such that the man tends to have the luxury to focus on their career and get financially established before deciding to have children. Women are forced to choose between career and family early on. So the incentives are for women to get married to a successful man as soon as possible. That creates all sorts of societal problems for both men and women. Moreso for women as it tends to put them in a more financially dependent position.