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Your original comment compared full-sized standard vehicles to mobility scooters. No where did you mention (and still haven’t clarified) how you get around having to be prone at all times. No, it’s not “ableist” to take what you say at face value.
This all is based on “what is” not “what can be”. I too live in the real world where I still share a car with my spouse, but I also advocate for the future I want to see, where we can rent/carshare a few times a year. This conversation is not about the status quo, but the potential of our communities.
If you were provided an accessible flat with a place to store a mobility device, less of your income would go towards transportation.
So you ignored my link about microcars. The video shows one with the seat removed and a ramp to allow a wheelchair to be ridden straight in and out (here’s it queued up for you).
You’re reduced to “£100 a week to live off of” because of cars. Urbanists don’t want to penalize you for having the misfortune to be sick or disabled, they want to enable mobility for all, including the elderly and disabled. You’re just too stuck in car-brained thinking (and while it’s not the US, London and Birmingham are exceptionally motornormative).