If 50 cent prophylactics were effective there would be practically no abortions.  It doesn't work because people won't use them or won't use the correctly. It isn't effective for whatever reason and it doesn't really matter. It doesn't work.

Effective contraceptives cost more than 50 cents and studies have shown that working with a doctor or other health care professional to determine the best contraceptive for a woman given her health and her own situation does work.  But that means women need health insurance to have access to both professional health care and effective contraceptives that health professionals proscribe.  

The provision of contraceptives through the ACA with the opt out actually removed religious employers from direct provision of contraceptives - all they had to do was sign a form.  It was no longer their money.  So this wasn't about degrees of moral culpability.  It was about control and giving employers the power of old divine right kings.  That needs to stop.