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Had this conversation with someone who chose to no longer be at my table after meeting a blind NPC
(files.catbox.moe)
Another player who was at the table during the incident sent me this meme after the problem player in question (they had a history) left the group chat.
Felt like sharing it here because I'm sure more people should keep this kind of thing in mind.
It depends on the tone of the setting. Someone who gets their leg broken in a Forgotten Realms game can usually find a small-time priest to cast Cure Wounds on them, preventing most disabilities that aren't from birth. Someone who gets their leg broken in Warhammer Fantasy has to hope within their gimped traveling distance that there's a priest of the correct faith capable of appeasing the gods for the healing to happen, before their detriments become permanent. As such, having a disabled character in a game with more accessible healthcare requires an extra degree of explanation, on top of the PCs' and players' emotional response to someone being so downtrodden. The circumstances of their ailment, who or what was responsible, how they see their ailment and work around it, all are weights on the players' suspension of disbelief that a GM has to take into account that they generally otherwise wouldn't with John Miller, the able-bodied dude who runs the mill with a wife, three kids, and a problem with rats stealing the grain that he mills. It's like a Chekov's Gun in that sort of way, the GM as a storyteller surely wouldn't spend the effort to decide that an NPC has a trait that is notably separate from the default without it being somehow relevant to the plot. The mage asks the party to do a quest for their magical research, a general asks the party to do a quest for national security, and a person in a wheelchair... what desire do you give them that wouldn't be misconstrued as able-ist or a waste of that character trait? It's very difficult, often comes with an air of making some kind of a statement, either that they're a writer capable enough to wear disabled-face without it being offensive, or taking a preachy high-ground telling people a message about human sympathy, determination, and adaptability that they've already been made well aware of by the existence of popular culture.
this is the root of your misunderstanding. diversity doesn't require a plot hook, let people just be different and let people who are different in real life be represented in the media they consume.
Nice job assuming that I as a person am bigoted just because I prefer details that contribute to the story. I'm fine with people being different, that's a fact of life, and any self-respecting person should figure out how to accept that as soon as possible. What I look for in a roleplaying game, however, is narrative cohesion, where the characters are characters instead of tokens, and their actions have consequences that make sense. Mechanically, this means that I would prefer to not be held back by my fellows, be it the guy playing a Wild Magic Sorcerer who insists on triggering a Surge via Feywild shard whenever possible and gets sad when it doesn't go off, or the guy playing a Wizard that insists on hobbling up the stairs on their crutch instead of letting the Barbarian carry them. This doesn't mean it can't be done well ever, I've had an old man NPC with a halved movement speed use that as a way to get the party to pay attention to their surroundings instead of rushing headlong into a hallway just because it's empty. It should be in a way that doesn't impact gameplay; a one-armed Fighter wouldn't insist on one-handing a Halberd under normal circumstances and would usually go for a one-handed weapon, nor would a character that's been mute their whole life have a very good way to cast spells with verbal components without a kind DM or an addiction to Subtle Spell. Narratively, it means that things feel strange when someone opts to "have a disability" but then avoids playing into that angle at all by having a proverbial "all-terrain wheelchair" work-around with few downsides, possibly some benefits. Again, not that they can't ever be well-represented. The trick is that you need to make up for the character's weaknesses in a way that doesn't make them "speshul" by being the only one allowed to have that thing.
Now, the character can hiss and spit about the unfairness of their situation until they're blue in the face, that's roleplay and I wholly support that in a roleplaying game. What's bad is, in the scenario the (N)PCs wise up to an item's necessity, any item, and in some way negate it, putting the player in a position where they need to play the character they made in a weaker position (in this case the weakness they built into it), the player shouldn't get upset over it. When the player insists that "their character's agency" shouldn't be lost because of losing one item, or "why did you approve it just to take it away?", broseph, you made the character. Did they genuinely think the party would thank them for being graced with the blast radius of a Wild Magic Surge, or are they just a gambling addict that couldn't foresee other people not wanting to be hit by the rebounding Chaos Bolt when there's only one enemy target? Is that sort of player incapable of realizing that the game system with mechanics to ensure it's not a make-pretend battle of "nuh-uh, I have [excuse] to protect me" could possibly allow for the other side to have counterplay in the same way they can make a magic chair that can climb a wall?
As for NPCs. Man, if these guys can't handle a one-eyed veteran in a fictional country, I fear for them ever seeing a homeless shelter. They need to sort their shit out. You can have a beggar in a D&D game, they might even be a good source of information or a powerful NPC that has problems, same with a person with a crutch or a leper on a wheeled board. Sorry we forgot to put "trigger warning: semi-accurate depictions of squalor" in Session 0's notes, if the existence in fantasy is what sets them off, I'd hate to see how they react to reality.
TL;DR: sometimes you can hate the player instead of the game. My beef is not with the existence of the differently abled, but with people that use them as a shield for their lack of originality, thought, or care for their fellow players.