Edit to clarify: The user turning off JS and using the service are likely to happen at entirely different times. If you browse with JS turned off, it's likely off by default and only enabled when needed (if at all).
So no, it’d be more expensive to have a call centre.
You're also assuming that starting from a simple HTML implementation is more expensive than other methods. I'm not sure that's the case.
As a rule, in terms of accessing public services at least, I'd be inclined to be very careful to make sure it was as accessible as possible.
SSL is supposed to work a certain way, in practice it doesn't always work that way.
Hahahahahaha, you should do stand-up!
In my more cynical moments, I wonder if the whole point of SSL is to obscure when middleman proxies are in use.
Seriously, examine your browser's trusted CA list. Do you really trust every single one of those CAs to vouch for any website in the world?