I think the line for disability changes regularly - cochlear implants seem like a massive enabler for example (also worth considering, maybe more interesting, those deaf peeps who refuse to get them when they could)

In my head I think of the line as being self sufficient for daily needs. If you can’t go get groceries and cook them, that’s a clear disability, and one everyone experiences many times (at min from a young age, usually old age, often times in between like surgeries and bad diseases).