But there are many other ways you could be injured and unable to work. My straw-man injury when I bought the policy was: "I'm a new skier, which is famous for major head trauma". Similarly, cancer, which directly or via treatment, causes exhaustion is another example of disability that is not solved with "if only I could just input text easier".
I'm glad there's so much work in accessibility going on, and that hardware, machine learning, and social awareness has gotten widespread enough to let non-huge companies dive in and make real progress. It's important to open the field to as many people who we can.
I just want to be sure people don't rely on technology being advanced enough at the exact time you may need it. You can easily get unlucky, and insurance exists to pay somebody else to take the risk.