Spoken like someone who neither knows anyone with disabilities, nor realizes that they, themselves will likely be disabled at some point in their lives, and will both want and need accommodation at that point.
Yes, accommodating these people will cost society more (in terms of effort and money) than not doing so.
However, not accommodating these people comes at a huge cost to our society's legitimacy, reputation, and honour.
I'm not addressing your points because I do not believe they represent a worldview that is worth engaging with.