Nice sidestep.
Sidestep? OK. If Bill Gates got in an accident, his insurer—assuming the car was covered—would have to pay for it. By the same token, if Bill Gates claimed a neck injury that prevented him from turning his head—assuming medical was covered—he’d be paid for that, too. If, however, the insurance company subsequently saw Bill Gates laughing and joking while swinging his head side to side, they’d nail him for fraud.
Like I wrote, this disability stuff isn’t clear cut. I think most agree society has an obligation to the truly disabled. I think most also believe able bodied, fully employable adults should take care of themselves. Do you disagree?