$50,000 is a life changing amount of money for everyone I've ever met. Hell $10,000 is.

If the regulations are so stringent as to prevent people doing this for monetary reasons, then why are we even discussing money?

This is just smoke and mirrors to get around the fact that only people who need the money will sell their kidneys. Do you think Jeff Bezos will be jumping at the opportunity to sell his kidney?

And if there's not enough monetary incentive, then we're right back where we started anyway.

I don't think it's a reach to say that we should prioritize universal healthcare, universal housing, or universal food access before opening the market up for kidneys.

Way more people die a year due to not having proper medical insurance (in the US) than due to kidney failure. More difficult to get estimates for the lethality caused by food or housing insecurity, but it doesn't take much imagination to see how these factors contribute to negative health outcomes. And these solutions not only save lives without exploiting anyone, but also raise the quality of life for everyone.