There are differences in surrogacy between the UK and the USA. USA surrogacy is very commercial, in the UK we do not have that. I have no issue with surrogacy in the UK, which is often from a friend or family member assisting a couple.
To be honest, I have no issue with commercial surrogacy if the surrogate willingly enters into it, as a pp has experienced. I do have issue where women, particularly in third world countries, are exploited as surrogates.
I understand the desire to have your own child. Not everyone has that (my SIL has absolutely no interest in having children) but I do. As others have said, when you have fertility issues, you often get told to adopt, but a lot of infertile couples are not able to adopt because of that - for us the issue was from a medical condition DH has which meant in the UK we cannot adopt. It is not a simple option and children in care need a certain type of person to adopt them and not everyone is cut out for it.
We had IVF and I am currently pregnant, so surrogacy is not something we have needed. Clinics in the UK are very stringent, but there is always a risk that the embryos were muddled and I have someone else's. I can tell you know that if that had happened and this baby turns out to not be biologically mine, they are not taking her from me and it will be over my cold dead body that I give up my baby.
I understand that you may not have the same connection with a baby via a surrogate, but to want a child and have a child (even if only half a genetic match) I cannot understand any circumstance where you would want to give the child back. I wonder whether it is just the father who wants that.
I do believe that the rules around surrogacy should be stricter and that there is no 'refund policy' - if you create the child you take the child regardless of how the child arrives. Yes it may be awkward for him to have people questioning the genetics/affair, but that is their burden to carry, not grounds to give up a baby.