I'm also disabled. We tend to refer to this as the "disability tax". Anything that could potentially be billed to insurance or for which there are no other options is incredibly expensive. If we can't afford it or don't have insurance, we're always welcome to go die under a bridge somewhere. Gotta pay for the owner's yacht.
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Oh no, a painting! So much more important and relatable than children dying. That happens all the time.
/s
Edit: I'm agreeing with the above point, folks. Lives are more important than paintings. We need a lot more outrage about people dying and less about property damage.