I don’t think Charles is going to shell out money for a surrogate. Harry is likely not going to pay for it since he depends on his father. The Queen isn’t going to approve of using a surrogate either.
If she really did use a surrogate, then it would pose problems with how to hide it from the press. Because legally in the UK, Megs would not be the mother of the child. It would be a huge scandal for the monarchy if discovered. Charles and the Queen both know this, which is why Charles will never shell money out for it.
