It's not lazy to play a diatonic instrument in the keys it was made to play in. If it doesn't have the accidentals and/or the basses to play in other keys, no amount of effort will make that happen. And I don't think affordablity is the main issue - my melodeon is often the most valuable instrument at a session.

Different events for different keys would be a nonsense. If a player wants to play a tune in Eb or F#, they're entirely free to do so, and others may join in if they wish. Not everyone has to play all the time. What's the problem?

Marje