Well, of course this is most of what people mean when they express the
difference between "accesible design" and "universal design".  This is
why these 2 largely different terms exist.

"Accessible design" in a purely personal environment of a home, can in
the instance you cite, become sort of segregated design.

Other examples, off the top of my head:

1. -- If a raised toilet seat is attached to the only toilet in the
house (or building), and some visitors cannot use it... then this is a
non-univeral example of "accesible design".

2. -- If a car has special controls attached to it, or blocks attached
to the pedals, etc., which is an example of the olf "rehab design"
taylored to one person's needs, obviously if a friend or family member
for whom those adaptive fittings are a barrier, shares that car and
sometimes needs to drive it, and it's time consuming / difficult / etc.
to remove the devices....that's an example that fits your inquiry.  

(Hats off to the car maker who has the driver's seat's adjustments
programmed into a control system; and it is said to recognise who is
sitting in the seat and "remember" the settings for that person.  Not
"Universal", but like most stuff in htat category, to be more precise
about it -- it  is moving in a "universal-ish" direction..)

2.  -- Any entry access that requires using a fancy "special" device,
(beyone aotomatic or button-controlled dor openers)... like a "LU-LA"
(an ADA Term -- limited use - iomited access lift", in plain English,
one of those inferior Mickey Mouse lifts designed to pinch pennies at
the expense of safety, dignity, etc.).... if we look at the social and
psychological aspects of equal access -- can create access for some
while in effect, in social context, creating a "barrier" for other
PWD's.  

Specifically -- A person for whom steps are a barrier -- who cannot
climb steps, but whose disability is not immediately and obviously
visible to a stranger or facility employee, may either encounter
resistance and discrimination in getting the key for such a lift, or
getting employees to cooperate in some other way (moving loose objects
obstructing the lift, for example)... or even if it's "ready to use" may
not want to put up with being stared at by people (as the list loudly
grinds it's way up... creating an attention-grabbing spectacle) many of
whom are apparently wonding "Why is this noisy device being used by this
person who "doesn't look disabled"?

A few years ago in using my local Public Library, I was directed to use
an unlocked "staff only" lift.... and then once I was up on this
mezzanine, some other official of the library (some big shot with a
white shirt and ti, probably higher ranking thannteh cloerk I'd first
spoken with) with a walkie talkie encountered me waiting for this lift
to get back down, and informed me that I could not use it.  I explained
my mobility disability, which did not matter to him because he could not
see it, and was obviously on a power trip.  He again sdemanded that I
use the stairs to get back down.  With this walkie talkie in his hand,
the implied threat was that he would have me harassed by the cops.  I
had to stick to my rights, and say "I told you... I have a disability
that makes it difficult (I may have added the word "painful" which was
actually none of his business) for me to use stairs, this lift is how I
got up here and this lift is how I am going to go back downstairs".   I
ignored him, fortunately,  he backed off.

To get to the Reference section, requires using an unenclosed and
centrally-located  "LU-LA lift to get up about 8 steps.  Some times, I
don't use the Reference Rom when I need to ....still feeling awkward
about the situation of being stared at by people who think I should not
be using it, and the possibility of again being harassed.... I never
took action against that harassment to make sure it wouldn't happen
again...... though it's on my "to do" list for some day...  

3. --  Improving a home environment taylored to an owner with small
stature, towards being more "universal" or "inclusive"  in order to
accomodate a variety of visitors, is a design problem
that is "doable" in at least several respects.  The parts you mentned...
kitchens, seating.... the possible solutions for converting these from
too-specific "accesible" towards something closer to "universal design"
come to mind, pretty easily.... 
  
Jim Davis