A friend ('Gina') had a very aggressive cancer at a young age, resulting in full hysterectomy, no chance of ever having a child of her own. She made relative peace with that, certainly had no expectations that she could ever buy a baby from etsy.
Her very close friend ('Emma'), having already had 2 children herself, who had grown up to be young adults, offered to carry a baby for Gina. She knew and accepted full risk. Her husband and children were also aware of the risks and what was involved, and were in complete support.
Fwiw, no money ever changed hands.
The pregnancy was a smooth, healthy one and the baby was born. Gina and her husband were of course overjoyed. Emma and her family were equally overjoyed.
The two families are super close. Emma has a particularly special bond with the baby, but not in an over-stepping way. She is, for the sake of another term, like a godmother to the baby. They have since gone on to do this again, providing a sibling to the baby.
It's certainly not the same story for every surrogacy. But surely this example shows that a universal ban is not in the interests of everyone. Women should have agency over their own bodies, albeit under very tight guidance to stop the exploitation, commercialisation etc.