My point is not about risk, my point is about giving up something which you cannot get back. Most surrogacy pregnancies don’t need C-sections and are normal uncomplicated births. The surrogate receives money + other benefits and can continue to live a normal healthy life with no change to her wellbeing after she gives birth.
If you are talking about risk, many transactions in life carry some risk. Your Uber Eats driver risks his life getting in the car or motorbike to bring you your Chipotle burrito. An oil rig worker daily risks heavy machinery injury in exchange for money. We accept that consenting adults are capable of accepting some risk.
Additionally: agencies do everything they can to mitigate medical risks as well. Intended parents are required to purchase good medical insurance for the surrogate if they don’t have any.