My original comment (above) made it pretty clear that I believe we should be doing everything we can to ensure people don't have to make these kinds of choices.
But the way to do this is by adding new, better options, not by restricting existing, 'bad' options.
Sure, but that is an utopia that I hardly believe we will ever reach. No question hundreds of years in the future.
Lets allow people to get exploited because it might not be a problem in the distant future? Or, work from both ends. By restricting bad options at the same time as we add, best we can, the good options.
Your argument makes sense when you view such transactions as a decision problem with a single actor and no temporal element.
But such transaction happens within a lifelong game with at least two players. Changing the rule of the game can influence their game tree and their behavior, far before they get into a situation where the change applies.
For the kidney trade, banning it might discourage potential organ-buyers from 'check-mating' people into selling their kidneys. It also might nudge parents to work harder since they have one less things to sell off.
I acutually have no opinion over banning organ trade. I'm just saying that it could make some sense.