Assuming $60k for a surrogate then the "winning bid" for not having the baby herself would be around $30k.

Also, what is the value to her to experience the process of having a baby? Ubber-rich women still have their own babies, so there would appear to be a value in the experience.

What happens when they find out (while still young) that you lied and it is really bidding to see who DOESN'T have to put them to bed?

This feels more like a stunt to get people interested in their start-up company. The wife is so far in debt that it looks more like gambling with fake money at a Casino Night since the game theoretic model seems it breaks down when there is cost-free debt.

How does bidding on who pays the mortgage and other bills work? For example, if one has to pay the mortgage then the other should have to pay them rent via this bidding process. Same for gas, electric, etc.