A better take is Universal Design adds nothing to the cost of building at scale. Anyone charging more for using Universal Design is scamming you. I think that

A better take is Universal Design adds nothing to the cost of building at scale. Anyone charging more for using Universal Design is scamming you. I think that the cost floor for housing (labor, land, materials) is high enough that "affordable housing" cannot be made without state funding. Helsinki is a good starting point. I understand the exclusion problem. As you said, inclusive space excludes those who can not afford the space (ghetto by income). Non-inclusive space excludes by physical ability (ghetto by the degree of handicap).