Most likely, this is partly due to the fact that women bear children which can have a significantly negative impact on your health, welfare and earning capacity. Even if you are a woman making good money, a pregnancy with complications can derail your life and you may have no idea it's coming.

Source: I'm a woman who has read up a metric fuckton to understand why I ended up a homemaker instead of getting the serious, well-paid career I expected as one of the top students of my graduating class with academic honors that suggest I was one of the top students in my state and doing well on a national level as well.