> Disabled person pays isnt correct either because there are many near zero cost things we could do if we just thought about it at design phase.

??? This is the social model on a nutshell.

No it isn't because it isn't cast in cost/opportunity cost/etc. The reality of implementation is top down dictation without apparent consideration of cost (For example, I redid the front door of our office and I now have two buttons to open the automatic door that look like crap and are at waist height and at the floor. This was dictated in the code in my region as a new concession that I never would have done because it is broadly stupid in my context.) Maybe highly cost sensitive and more optional social model would be a better description.