What people often don’t consider is that even if that is true, the likelihood that you will care for someone with a disability — an aging parent, a spouse, or a child - increases the likelihood of lack of accessibility impacting your ability to enjoy your (shared) life.
My partner had a stroke. They can no longer walk steadily, and they likely never will. The number of times a certain thing we wanted to do went from idea to “guess not” is now incalculable. The logistics just become too onerous… and we’re lucky. We are high earners in a developed city.