Money shouldn’t be a factor in determining ethics.
Money is a factor in determining many things, but ethics isn’t one of them.
Sadly, money is more important to some than anything, including ethics.
Unfortunately, many people are very selfish and are either not concerned with or ignorant to the ethics of IVF. They want their baby and they want it as quickly and inexpensively as possible (they aren’t going to spend well over $100K and wait several years, when they can spend half that in half the time).