And then you can't use Uber, or Doordash, or Instacart. It works for single transaction merchants, but for platforms that having become critical to functioning in today's modern society, it's unfortunately not the magic password.
If you need to issue charge backs you shouldn't be using them. Painful lesson but call the restaurant. Call a cab. Go to the store yourself. Your modern society is a wasteland to be avoided.
I'm not sure how you want a disabled person to go to the store themselves when they're physically unable to walk, but where services are convenient for the able-bodied and minded, they're literally lifeblood for the disabled. Modern society can be avoided by those with that privilege, but for the rest of us, it's the one we've got.
It takes privilege to be able to afford those luxuries that I can assure you many disabled individuals cannot afford. Those without get by with help from others.
Cabs are more popular with the disabled over Uber because the driver will get out and help seeking a better tip. Calling a restaurant vs using UberEats app is easier for some types of disabilities and easier for the elderly. Many disabled can go shopping or have government services to physically go for them.
> It takes privilege to be able to afford those luxuries
As someone who's able to afford those luxuries because of a software engineer's salary, it does. The disability welfare system exists though. It has its problems; not being able to have more than $2,000 in a bank account forces people into a very learned helplessness even with the support of friend and family. Those government services are starting to subcontract to those platforms because whatever. If you can walk, an Uber to the hospital is better than an ambulance. So at least for me, it doesn't make it a wasteland to be avoided. I'd be dead several times over if it weren't for the miracle of modern medicine and have been blessed with good fortune, so maybe I have more reasons to be grateful to it than you, but, well, it's the one I got.