That is not what costing something means. Cost is to lose something which you have, it does not mean to lose the potential to something you don’t have. If an apple costs a dollar, it means you had that dollar, and now you don’t. The impact of the apple was for the number of dollars you have to decrease by one. If you buy it with 100 dollars it obviously doesn’t cost 100 dollars because you get 99 dollars back.
When talking about lives, we don’t get them back. People have lives, and if something causes them to lose them, it means costs them a life.
If I own a car, then after ten years of owning and driving it, I trade it to buy something else, that thing still cost me a car. The amount of car I have does not decrease over time but through use. It’s quality might, but the count does not care about quality. Same with life. People who are middle-aged do not only have half a life, they are still fully alive.
I think where the difference lies is that you are interpreting “cost X lives” to mean “cost X lifetimes of Human experience” while the interpretation I, and articles use is more like “cost X people their status of being alive”