Strange. First you say it is not a money problem. In the next sentence you say let´s talk about the cost...
If you say that using fuel cells today would not be cost effective you might be right although having to charge jundreds of batteries on the worst time of the day from an economical viewpoint might not exactly be for free either. Electrolyzing the hydrogen on site nighttime might actually turn the dog into a brilliant chef that makes something much tastier of the steak.. :)
No, I think the usage of fuel cells lies in a not too distant future. The oil is not getting any cheaper and the demand for CO2-free fuels by governments e t c is pushing also. But the key issue is - if fuel cells are going to be the "green alternative" then the energy for making the H2 has to originate from renewable sources although there might be a transition period when H2 is derived from natural gas. In combination with fuel cells the efficiency of renewable sources increases because the hydrogen can be produced both day and night.
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