// example of input user
let user1 = {
  access: [true, false],
  utility: [2, 5]
};
// example of input object
let object1 = {type: 0, cost: 15};

// static vertions of the cost function
const costFunction = (user, object) => {
  switch (object.type){
    case 0:
      if(user.access[0]){
        return object.cost * user.utility[0];
      }else{
        return Infinity;
      };
    case 1:
      if(user.access[1]){
        return object.cost * user.utility[1];
      }else{
        return Infinity;
      };
  };
};

costFunction(user1, object1)    // sould return 2*15 = 30

// dynamically generated a user-adapted const function
const costFunctionGenerator = (user) => {
    ... some code ...
    const costFunction = (object) => {
        ... some code ...
    };
    return costFunction;
};

const user1CostFunction = costFunctionGenerator(user1)

const user1CostFunction  = (object) => {
   switch (object.type){
      case 0:
         return object.cost * 2;
      case 1:
         return Infinity;
   }
}