At this point I'm adjusting to the idea of wearing an N95 indoors the rest of my life, and I am fortunate enough not to have any disabilities or significant medical conditions yet. This isn't to disagree with your assessment, particularly about the brain-tilt that many people have when considering that they can become a disabled person at any time; just ... to share horrified wonder that people would rather pretend it can't happen.
Re: It's not just COVID