Some websites have a different version: 23 and me punctuates it "lady, wife, mistress of a household". Both that and the OP's link reference Dictionary of American Family Names, 2nd edition, Oxford University Press, 2022, which should be your first port of call for accurate details and more information.
Ladies is the plural form of lady, so the apostrophe goes to the right - ladies'. If you are wondering why we don't write ladies's, it is because ladies is one of the exceptions, along with girls', parents', players', weeks' and even Klingons' It can get a bit niggly with names too. Aristophanes' plays, but Jesus's miracles and (usually) James ...
The Emory Wheel: ‘A light on the team’: Zimo Li builds community, brings victory to women’s golf
The Emory Women’s Golf athlete discusses her time on the team after her recent win at the Space Coast Classic.
‘A light on the team’: Zimo Li builds community, brings victory to women’s golf
Arkansas Razorbacks: No. 4 Women's Golf Wins Team and Individual Titles at Puerto Rico Classic
RIO GRANDE, P.R. – The fourth-ranked Arkansas women’s golf team opened the spring with a win at the Purdue Puerto Rico Classic held at Grand Reserve Golf Club (Par 72) in Rio Grande, Puerto Rico.
No. 4 Women's Golf Wins Team and Individual Titles at Puerto Rico Classic
The plural possessive is "ladies'." "Lady" is singular, so if you were referring solely to one woman's shoes, it would be "the lady's shoes." As for your second question, I'm assuming you're referring to a group of women in your salutation of them, so it would be "Good morning, ladies." And as you're addressing them directly, the comma preceding "ladies" is necessary.