This is a good point and I agree.

To provide a little more background on that for clarity:
when one is on disability [or SSDI] in the US, that individual is eligible for a program called Ticket to Work. The point of this program is to foster vocational rehabilitation and in fact it encourages and fosters this end. If one call to intitiate a ticket, they can request the assistance of either a private employment group- the services of which will be paid for by the state- or a state/government run voc rehab facility. These facilities offer services including vocational testing, resume and interview assistance, community connections to specific employment opportunities, job site assistance, guidance regarding job related accommodations and career training- up to assisted funding toward a degree for a career more appropriate with better chances of success. I'm sure there are some services I missed.

So these programs are available. I will say that not everyone takes advantage of them. But... Even if these programs work [and for some individuals they make an amazing difference. some they dont fix life in general] they could still be seen as providing advantages not available to everyone.

They do just that, they offer assistance to those who can't make things work just by wanting it. Even then, there are situations where it just won't happen.

I have been working on my bachelors degree for ten years...

I'm not an idiot. Far from it.

There are simply things about my illness which impede my functioning that I cannot simply wish away. So I face constant obstacles in completing my degree, though continue to struggle toward that goal. For about a decade.

That likely is a pretty excellent illustration of why my opinion may contrast as it does with some other individuals.