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My mortgage (including interest and property taxes), daycare, car payment, and student loan payment cost me less. I may live in a state with a lower cost of living than yours, but that is ridiculous. When a friend of mine was considering becoming a surrogate, she would have been paid not a whole lot more than that, just to give some perspective. So, yes, I agree that it is unreasonable.
In addition, if your state does not legally allow for expenses of that type, you can't pay them. When I finalized my son's adoption I had to give an accounting of any money I had paid toward expenses, how that was done, and what the money was for (didn't apply in my case, but it was part of the legal documents); anything that was not legal could have kept me from being able to finalize and caused my son to be removed. If it's not legal to pay an expense, no reputable agency will have a pap pay it, because they could get in trouble for that as well.