The optimal solution is to find or create some tool that lets you bypass these options. This is a bit of a tangent, since that's really not what this post is about, but it's worth mentioning.

If you're stuck in a wheelchair, it's good when people build ramps, but it's far, far better to have a wheelchair that can go up stairs.

The former makes you dependent on the consideration of others, and sometimes that consideration is really not a reasonable thing to ask or expect.

Even in this apparently simple case, as others have pointed out, it is not easy to make everything accessible to screen readers. Also, what about older websites and archives of scans and so forth? It's far better to focus on tools that let one be as independent as possible.

I understand the annoyance. And I really hate it when people respond to requests like this in a hostile manner. But at the end of the day it is better if the person with exceptional needs can take on the responsibility for making these transactions possible themselves. (Also I'm sure there's loads of money to made developing these tools.)