I work with many "least fortunate" people with disabilities. The average person is assumed by the social safety net to have internet at this point. Some doctor's offices are "portal driven", and calling them has a cheerful bot telling them to check the website. Plenty of different forms and paperwork are accessible online and you are expected to access it that way. Our city newspaper is online.
Government benefits haven't gone up measurably in years, but inflation is roughly constant at 3% per year, and groceries have risen 25% since 2019. I know lots of people using the ACP funding; none of them have $200 shoes, none of them have cars, the vast majority don't own homes, most of them aren't obese. Some live in ~130 sq. feet of space for which they pay most of their monthly income.
Yes, you can access things through the library internet; for many people with disabilities these trips must be scheduled at least two weeks in advance due to transportation concerns (I work with people who get on the bus at 5am to get to us at 10am), or people live in the sticks where busses don't run - and there is no guarantee if you are blind and at the library that any of the computers will have screenreaders, or that the individual in question has technical literacy or skill with screenreaders in the first place. Take things like Siri / Google Assistant. For someone who has nerve damage / vision loss, even something basic - like having Siri tell you the weather, or the time, or having Google dial someone from your contacts - even if that is all they are doing with the phone (no streaming, etc.) requires a data plan (and not all disabilities have accessibility options on the "Obamaphones".