Uber decimated the taxi industry, the pandemic finished them off, and now taxis need to be sent from one town over, and those drivers don't accept my government subsidy card.
At my fittest, I could push my chair about 10km per day.
I need a car.
However, there is an exception for anyone with a "blue badge" holder (for those with disabilities which prevent easy mobility - wheelchair users and others). These people not only get free car access to the city centre (which now has a lot less traffic because nobody else is driving there), but also get to park in places that most people are not allowed to, etc.
Pales in comparison to the cost of parking. An afternoon in the Q-Park at Westminster is £45, 3 times the price of the congestion charge.
That you need a car is not a given but as you say a result from stupid decisions you can't control.
None of these things prevent you from having a car, and driving in areas that prioritise them is safer, faster, and more pleasant for the people that need cars.
Car dependency does eliminate transport for all of the people with disabities that prevent them from driving though.
And this should make you angry. No one should be reliant on a car. Everyone should have access to a robust public transportation system. Even if that means you personally get a subsidized van to take you where you need to go. Subsidized so it costs the same as a bus ride.