What comes to mind is the fact that the prevalence of adults with a disability in the United States is significantly higher in rural areas compared to large met

What comes to mind is the fact that the prevalence of adults with a disability in the United States is significantly higher in rural areas compared to large metropolitan areas and those rural areas are already underserved by commuting options given the current model. To your point that they are more financially limited — that is the reason why disability benefits exist.