I suppose I enjoy a little slice of "disabled privilege" in that I'll never drive due to my phobias (and, therefore, will never have to worry about expenses related to owning/operating a vehicle) -- which, combined with working from home, explains why I have slightly more disposable income than your so-called "average" working-class person does:

https://medium.com/@eichy815/im-never-going-to-earn-a-driver-s-license-87ce27c7efaa