ok, the first thing I suggest you do is address his worries about the money. Why is he so worried about it? Ask him if he wants the surgeries. Does he absolutely have to have them? Does HE feel he can comfortably live without them? If he feels that he is comfortably living an active life as he is...why try to make him any different?
Your son is smart. Sit down and talk with him about the entire situation. Since this is his body, he should be involved with the decision making about it. If you treat him like an equal in this matter, he'll feel that he has more control over his life. This will give him comfort when he's feeling insecure.
I am blind in my right eye and don't have much control over which way it goes. All of my life when I talk to someone, they look around behind them thinking I'm looking elsewhere. This hasn't stopped me from living a full life. My depth perception is out of whack, but I still played sports. I still drive a car. I have kids and go to college. Granted, my physical defect may not be as extreme as your son's...but I still haven't let it stop me from doing anything. If your son can do everything he wants to do...don't change him.
I wish you all the best of luck.
Love, Light, & Laughter...
K. L.