Well, i can't relate... i already have a wife and a kid.
Why is Gen Z or millennials not getting married at all? selfishness, some just want to think about themselves and what they want. If you think marriage is a nightmare, I think that is what you should say to your mom; she will realise that is a bad idea for you to get married even if you fall in love. If that mindset is still there, it's over.
Is about selfishness because marriage is for forming a family and with that, yourself kind of fades into the background and the family goes on top; kids become the central part and you live for them, not yourself. Marriage is not for you to be happy but is not for suffering; it is to form a family; anything other than that is a 99% chance of divorce, so if you are not prepared to stop thinking about yourself, don't marry.
Not going to write an essay about it, but that is my opinion.