Does Islam allow Surrogate mothers?

 Let's use our brains.

I disagree with this bolded statement.  Children are not a test.  God's first commandment to our first parents (Adam and Eve) was that they should go forth and multiply and replenish the Earth.  Having a child is no a test, but a sacred duty and responsibility.  Children must be born to complete God's will.  It is the natural order he created.  Children are not a test, they are a blessing.  However, you can be tested in how you raise your children and the situation in which you have them.

Not everyone will taste every type of trial.  Some people will have no troubles having children, yet be faced with serious financial issues throughout their lives  While others may struggle to conceive, and be financially free throughout their lives.

Having or not having children really has very little with financial freedom, these are two completely separate tests.  I've known "poor" families blessed with children that have managed very well do to their responisbility and childless couples with good incomes struggle endlessly because they spend on things and never have responsibility.  So the children/Financial connection is more a level of maturity and responsibility of the parents.

Having children is not a right, per se, as much as it is a trial, and with it comes the good and the bad.  Accordingly, it is not a punishment to be w/o children, as this is a trial as well. 

Again, I must disagree with it.  Having children is a natural thing, not having children due to infertility is the unnatural thing.  So, NOT having children is the Trial of faith.  God set up a very simple method for souls to be given bodies, brought to Earth and tested, in doing this he blessed us with families.  However, when a woman or man is removed from this very natural and divine cycle, they are being tested.  Not the other way around.

It'S when people feel they deserve or demand something, that their clarity of mind and thought become disturbed.  As a result, their faith could be compromised, and they could accept things which aren't clearly acceptable in Islam.

I have to agree that some people get tested in their faith and obedience during adversity.  However, the same could be said of a poor man who demands wealth or a lonely person demanding companionship.  Adversity is the refiner's fire that purifies the soul if one remains faithful.

A person is free to want children, as she is free to want financial freedom, and proper health - yet not everyone will get what they want.  There comes a point where we need to accept Allah's decree, and realize that there could be much goodness in it.

Of course not everyone will get what they want, and its best to accept that you have a certain path to walk.  But, God has given us blessings in the disguise of trials.  Perhaps sometimes we are tools for the blessings to others.  If we cannot bear our own children, perhaps its because God has decreed we should care for children who were unlucky to have unrighteous parents or to have the misfortune of having their parents taken from them. There are many children who are in need of parents.  There are many parents in need of children.  God provides for all, but even the Quran encourages adoption.

2:220 on this world and on the life to come. And they will ask thee about [how to deal with] orphans. Say: "To improve their condition is best." And if you share their life, [remember that] they are your brethren: <>Asad(2,206) for God distinguishes between him who spoils things and him who improves. And had God so willed, He would indeed have imposed on you hardships which you would not have been able to bear: <>Asad(2,207) [but,] behold, God is almighty, wise!

107:1 HAST THOU ever considered [the kind of man] who gives the lie to all moral law?

107:2 Behold, it is this [kind of man] that thrusts the orphan away,

107:3 and feels no urge <>Asad(107,2) to feed the needy.