PayPal is updating their ToS to let themselves give your data to merchants starting in November and they're certainly banking on people not knowing to opt out, SO to opt out before they start: go to Settings > Data & Privacy > Manage shared info > Personalized shopping, and toggle that shit off

But also, I just wouldn't use 5e or an associated Elfgame to tell those kinds of stories in the first place, but what can ya do.

For Players who intend to role play the story of an individual OVERCOMING a physical or mental disability, I might offer a small debuff, but ONLY for that Player, and ONLY if everyone else at the table is comfortable with it. Then I'd dangle an obvious quest with a Feat at the end that "Nuh-uh"s it.

-disability would negatively affect the NARRATIVE in a scene, I wouldn't hold them back from doing so, but at no point would I attribute a negative roll modifier or bar them from a mechanic for doing so.

How would -I- go about it, as a GM? I would assume that, mathematically, a disabled character's "Normal" is on par with an able-bodied character. Conditions that connect to a disability on a flavor level would not be substituted for that disability. If a player wishes to ROLE PLAY that their-

No table will be able to solve the game for everyone, but no table should be worried about that. The focus should be on the comfort of the people At That Table, In That Moment.

"Hey, GM, the mechanics say that my disabled character should not be able to do this, but that feels bad and like I'm not as useful as the rest of the party." or "Hey guys, this game clearly would reward us for taking this uncomfortable action, but this reeks of [insert social issue here]."

Being aware of the assumptions the Game makes will make it easier for both players and GM to be able to recognize when the rules are pushing the fiction into uncomfortable territory, and that awareness will then facilitate discussion in the moment of what the table is willing to do to mitigate that

And frankly, anyone who claims you CAN fix those issues with the right amount of homebrew is either drinking the kool-aid or trying to sell you something. Sorry, not sorry.

As a -baseline-, everyone at the table needs to be aware of the game's biases. They need to understand that the assumptions made while writing the thing were ableist and racist, and that those decisions are unfortunately inherant to the game they've chosen. There are no quick fixes to be had here.