I might be misunderstanding you here, but . . .Because the issue isn't one of verisimilitude, it's one of representation, and any objection is presumed to be a pretext masking hateful and anti-inclusive sentiment.
How is a magical, fantasy wheelchair hateful and anti-inclusive?
Some players with real-world disabilities would rather not play out those disabilities in their characters. Others very much would love to do so, as a form of representation and being seen.