If you are complaining about $8k for BT, you should know that a minimal FCC or CE/RED intentional irradiator certification will cost much more - and yes, these will be required to your whole product. Such things can be cost minimized if you use a pre-certified protocol stack or module...
True, but there is more to it. It depends on the application. You can use a re-certified BLE module, but you need special code for the FCC SAR testing to continuously transmit carriers. Also, for the CE/RED testing, if you are using more than one transmitter or receiver, you have to do co-located radio testing, which can be very expensive. The EU also states that if you change you enclosure, you have to repeat the testing. You can use off-the-shelf modules (including antenna), but as soon as you use it in another enclosure, you have to do a lot of testing.
If you use a BLE module with an external antenna, make sure to put a 0 zero ohm resistor or a pi network between the module and the antenna, because the test house will need direct access to the module. Also make sure you can send commands to the module either using bridging code in the MPU or use a UART or I2C interface. R & D people often forget this and they need a re-spin to make the product testable for compliance.
For some reason the meddling EU wants to make sure your product works well on its own, even with RF reception. The FCC is a lot more sensible. They don't care about how well your product works, as long is it does not cause interference and is safe.
It is utter stupidity, almost to a criminal level, that a $5 AM radio receiver imported into the EU has to have $50k to $100k worth of testing just for it to be approved for sale in the EU. This wipes out all small players/startups who want to get their product into the EU.