[BeeOnRope]

I understand what you're saying, but that's not how I understand people use the term "zero cost abstraction". That term usually refers to things you can use and pay zero cost for using it. It does not usually refer to abstractions that impose a cost for use, but no additional cost if don't use them, as you suggest.

A quick Google search of the top hits for the term seems to align with my understanding.

Maybe there is a term for what you are talking about, like "pay for what you use".