Thank you for the reply Jeff.
I appreciate the explanation on how ambiguous word questions are structured, that is helpful and something I will keep in mind for future questions.
I definitely hear you and agree with how emotional appeals may be effective while flawed, and don't have a place in logical thinking.
With respect to the zinger/playful remark comment, my intention was not to comment on the effectiveness, but only to state that based on the passage, in general a listener would be able to see that they were going for such a comment, and thus that there was enough context that the usage of "afford" in the comment was not ambiguous, since it was relatively clear that it was not referring to the monetary costs.
When the concerned citizen replies, "I respectfully disagree," that means that the concerned citizen is concluding "we can afford (in the monetary sense) the restoration of city hall." In order to support this conclusion, the citizen would need to show how the city can in fact afford (in the monetary sense) the restoration of city hall, which the citizen fails to do.
In other words, the concerned citizen cannot effectively argue against the mayor's claim that the city doesn't have the money in the budget by arguing the building's historical importance, etc., (at least not without also explaining where the money to restore city hall will come from)
I agree that the citizen is concluding that they can afford the restoration in the monetary sense, but I am not sure I agree with the fact that they need to show how they could afford it monetarily (ie: give numbers and figures showing how the budget allows for the expense)?
"We cannot afford such a luxury item in this time of financial restraint he says." => "However, I respectfully disagree"
Based on this sentence, it's possible that they literally cannot even afford to restore the building if they wanted to.
But it is also possible that they can restore the building, and the reason they do not do so is because it is considered a luxury which provides no benefit.
The citizen disagrees on its affordability yes, but it can be unaffordable because they simply don't have the money, or it's because it is a luxury item which the budget provides no room for. Maybe the budget has room for other things which are not considered luxuries.
If the disagreement is that it's affordable because they do have the money, then yes I agree that the citizen would have to show how the city can in fact afford it. But it seems that the citizen is instead challenging the idea that the restoration if the building is a luxury, ("preserving a sense of municipal history is crucial to maintaining respect for our city government and its authority") and in that case in order to support their conclusion they would simply need to put forth an argument for why it would not be a luxury, which they seem to do here?