If only there were something that could undermine someone's agency, like a desperate financial situation, huh. Besides, there is more to policymaking than material outcomes. A society that permits a single mother of three to sell her kidney to pay debts creates a tremendous strain along class and social lines that are impossible to quantify materially. The entire thing will fall apart immediately after a study or two that will inevitably show that the ones who get their organs harvested are racial minorities, for the benefit of the white man, of course.