This is pretty much what I think too.I think there is a Farchie, through surrogacy
I don’t believe there is a Lillibucks, again may have started as surrogacy but then went wrong somewhere down the line.
I reckon she snapped (narc rage) at the Lilibet surrogate one time too many (because she was 'beneath her', so she could be treated like tit) and the deal was off.