Being forced to do something that is against your religious beliefs is a "cost" to that individual. The price you pay is not always monetary.
As is being denied the ability to do something that is an integral part of your religious beliefs constitutes a cost to the individual.
Mormons denied the ability to engage in plural marriages comes to mind.
Issues like that are worked out in the laboratory of the States and in the Courts, and once that is decided, the matter is settled.
That will be the case with the Hobby Lobby case, and the Sweet Cakes by Melissa case.
It's how the Constitution designed the settlement of differences among the people.