Catholic ethicists concluded that in vitro fertilization (IVF) is unethical based on natural law reasoning, whereas some Protestant ethicists suggested that certain passages in Scripture undermine the natural law argument and so concluded that IVF, in its essence, is permissible. In this paper, instead of using religious arguments, I assess the ethics of IVF using standard medical decision-making processes for deploying therapeutic interventions. Such processes include some consideration of natural law reasoning with a primary goal of medicine being the restoration of bodily functions in the face of pathology threatening or degrading those functions. More foundational in medical decision-making is a judgement based on the degree of benefit of treating the pathology versus the degree of risk or harm associated with the treatment: a risk-benefit analysis where the benefit must outweigh the risk or harm for the proposed intervention to be indicated. From this analysis, I conclude that IVF is contraindicated in all circumstances; meaning, it ought not be done.