>It's interesting that you are mainly considering the experience of a hypothetical small business owner and what they would be happy to do, and not the experiences of disabled people, and what's easy for them.

The reason you think about this from the perspective of the small business owner is because if it's too overwhelming/difficult for the business then they just won't have a website at all. Then accessibility of the website doesn't matter, but everyone is worse off in this outcome.

They might put up a page for the business on Facebook, but if you're not on Facebook then tough luck. Or maybe there's no page at all and you have to go there in person to find out basic information like when the business is actually open. In these cases nobody wins. Even a broken website that's only partly usable would've been better, but that would be a liability for the business.