You go do the work, and enjoy some books while you do it.
Go read a few ravenloft, forgotten realms, dragonlance, or other dnd series
Go read some raymond e feist riftwar/magician books.
Go read a dozen palladium Rifts worldbooks
Just read any large fantasy franchise and you find any number of disabled characters
Damn near every healing spell in a fantasy ttrp will have a ruling on not being able to heal natural conditions such as blindness or simply that it straight up wont restore lost limbs
Im sure catti bri and drizzt ran into a few pirates and sailors with missing limbs
Or are you going to tell me theres no peg legs in fantasy?
No old heroes who cant fight anymore because they lost a limb
Ita inaccurate because most fantasy worlds that ive read dont have mid to high level healers in every square km of their worlds
You go do the work, and enjoy some books while you do it.
You clearly don’t understand how things work.
You made the claim. Therefore you have to provide sources to back up your claim
