How old are you op? And are you close to any families with children who you know well?
I ask because when I was in my 20s I saw no ethical issues with surrogacy at all and thought of it as a valid option towards parenthood. But parenthood and children were very theoretical concepts for me, there was no one in my immediate circle of acquaintances or my generation of family who had any kids at all' ezcept for one cousin who got pregnant as a teen but I hardly really knew her so no interaction.
A few decades on and with a lot more experience both from myself and second-hand from knowing what various friends and family members have been throigh, i have realised how sickeningly abusive and exploitative the vast majority of surrogacy arrangements are. I would make an exception for a truely altruistic and voluntary decision by a surrogate mother who has had at least one child of her own before and so knows what she is doing, and in which there is no financial motive whatsoever - so no bending of the compensation/expenses rules to make it an attractive financial decision for a vulnerable woman. There is no amount of money that is reasonable to pay a woman to risk her physical and mental wellbeing on your behalf in this way.
Pregnancy can be wonderful but can be dangerous and leave life-changing physical damage which most mothers risk willingly as part and parcel of creating their own child but it's a very different matter to pay someone to do it. Consider why is it that we don't think it ethical to be allowed to buy a kidney or other 'spare part' organ that most people have two of, from a poor person who might be willing to take the money and accept the limitations of living a less healthy life in exchange for relief from their immediate financial issues. It is generally accepted that this would be wrong and exploitative, and the same should be true of surrogacy.
The psychological and mental harms of surrogacy are a whole extra layer of complexity. There is no amount of money that is reasonable compensation for breaking a bond between a woman and the child who has spent 9 months growing in her womb, and there is no way whatsoever to predict, before a pregnancy is even conceived, whether a specific woman will start feeling that bond while still pregnant or when the baby is born. A woman who needs the money might like to think she could be dispassionate and not get emotionally connected but she can't predict that this is what will actually happen. If the bond exists then it exists and no amount of money, contractual obligation or emotional pressure is reasonable to influence a woman to undergo the psychological trauma of sundering that bond. A woman can be determined to go through with the arrangement, sign the forms and hand over the child and then months or years later the facade of emotional control she tried to exert on herself cracks and the regret and pain pours through. No one can predict whether that would happen in any specific instance.
The psychological harm to the child when they realise they were bought as a purchase is yet another layer.
The cognative dissonance that an intentional parent in a surrogacy arrangement has to subject herself to, to suppress her consciousness of the above harms in order to prioritise her yearning for a child, is also psychologically deeply harmful to her in a way that might not emerge until years later but will resonate through the whole family.
I wish you only the best OP and I am not trying to make you feel bad. I hope that you find a path through life, whether or not that ends up including parenthood, which brings you joy.