Invitro Fertlization/Surrogates

What are your opinions about people doing in vitro and using surrogates? Why do people value having children that are genetically there own so much? Do you think health insurance should cover these things? Do you think people that have fertility problems should be trying so hard to have their own children? Or do you think their children might be prone to the same fertility problems as their parent? Do you think putting money into adoption would be better?