I'm thinking of preforming an unnecessary surgery for a higher bill.
That's a terrible thing to do. Why do it?
I need a lot of money for my education. I'm going to increase my earnings to pay my bills..
Your education for your profession cost a lot of money, but giving people surgery they don't need is pretty underhanded. The surgery might result in some other illness or even death. Anyone finding out can ruin your career that way.
What if I don't give a shit?
You reasons is selfish. You needing to pay the bills doesn't justify giving people unneeded surgeries.