Earlier quoted context omitted.
Not sure how old you are but I imagine over the next couple of decades we’ll eventually get more advanced computer interfaces. Gestures, voice, eye tracking, ... Being a software developer could be a job for those who physically can’t do other jobs. Subtle input gestures with Soli would be interesting. https://atap.google.com/soli/
Assuming physical injury (like RSI or trauma), yes, it's getting easier and easier. But there are many other ways you could be injured and unable to work. My straw-man injury when I bought the policy was: "I'm a new skier, which is famous for major head trauma". Similarly, cancer, which directly or via treatment, causes exhaustion is another example of disability that is not solved with "if only I could just input te…
It’s inefficient for everyone to do this and many cannot.
The premiums could jump 50% in a decade, for example. I’ve known situations somewhat like yours where premiums went up a lot.