There's a difference between a physiological need, like consuming water and air, and a chemical dependence.
> I have to constantly eat to stay alive? Manageable. I have to consume water and breathe air? Manageable.
No matter where you go, the entirety of society is structured around the fact that all people need to eat, drink and breathe.
> I have to inject 50 cents of insulin? Manageable. I have to absorb 50 cents of nicotine? Manageable.
This is where the disconnect is. The cost of insulin dependence is not merely the cost of insulin itself. An insulin dependent person must always be aware of their blood sugar levels and diet. They must always be prepared for a situation in which they're away from their insulin supply. They must be prepared for an emergency or incapacitation due to complications with their condition and its treatment. There's a significant cognitive load that isn't accounted for by the fabric of society like the need for food is.
Likewise, there's a psychological, social and occupational cost to nicotine addiction that isn't reflected in nicotine's price alone.
This is why people are saying that chemical dependence is inherently bad: it's an inconvenience at best, a costly burden to most and a killer at worst.