On balance, I don't have a massive issue with IVF as an 'ethical' (or not) choice but I don't believe that the NHS should offer it at the current time - nor until it can be properly and fully funded (ha ha ha ha ha etc) to provide for other, and often much more basic and simple, surgery & procedures and life-improving interventions that so many people spend an extended amount of time waiting for. However, I do understand that, even if the NHS decided to stop funding fertility treatment today, it probably wouldn't mean little old ladies would get their hip operations or knee replacements any faster because of the myriad and convoluted ways the NHS is funded.
I've thought about the NHS providing surgery/procedures/interventions for 'mental health' reasons as opposed to simply letting medical needs play out and determine who survives or not. I don't feel that NOT being able to have a child through natural means constitutes a mental health need in the same way as, say, losing your mobility, sight, hearing, compromised use of limbs/losing a limb, suffering from constant debilitating cluster headaches - all of which, I would argue, are life-limiting and would cause a person to lose the ability to continue to live their lives in the way they had previously enjoyed and would wish to continue to do so.
I'm not including life-threatening and terminal or more 'serious' life-limiting examples, here, such as developing cancer, MND, MS, dementia or Alzheimer's - as I don't believe the mental health need - nor the 'damage' done to one's overall mental wellbeing can usefully be compared to the emotional 'pain' of not being able to have a child. It's apples and oranges - a yearning for a child and, with it, ideas and hopes as to how a woman may have envisaged her life and future - as opposed to living with the prognosis of a life-threatening or terminal illness as your quality of life very tangibly and negatively diminishes over time - and which can also very deeply affect your wider family.
However, I don't feel it's unfair to assume that many women can make progress, move on and, to a greater extent, 'get over' their desire for a child. I don't believe it's uncaring of me to think that the 'pain' of not being able to have a child does alleviate, and doesn't tend to remain as all-encompassing or traumatic as the years go by as it was at the time of suffering round after round of unsuccessful IVF treatment and, potentially, miscarriages or other medical events that caused upset and trauma at the time they occurred.
I've thought about this a lot as I've family and friends who have tried IVF - with both successful and unsuccessful outcomes - and it's certainly a case of individual character to say that the one who did not conceive through IVF and remained childless, although extremely disappointed, made changes and adaptions to her life plans to ensure that the emotional and mental stress and 'pain' of not being able to conceive didn't preclude her from moving forward and enjoying a full and satisfying life.