I mostly agree, except for the last part about marginalization. The idea you can always overcome whatever disability/disorder/whatever with hard work and the right mindset is not accurate at all. And that's not you wanting to be a victim, it's you advocating for what you need. Accommodations exist for everyone, they just cater to abled/neurotypical people instead. Once I finally admitted to myself I was disabled and stopped trying to live my life like I am 100% able bodied improved my life A LOT.
And disabled/chronically ill/neurodivergent people DO face a lot of discrimination regardless of if you want to admit it or not. We should be fighting for improvement in treatment, acknowledging people treat you like less of a person doesn't mean you actually are less of a person. ESPECIALLY in the current political climate... once LGBT+ people are dehumanized sufficiently disabled people are going to be next.
The correct way to use cash advance is to never use it. Seriously they have a totally different (way higher!) APR that accrues from the first day. Read the conditions of your card and calculate how much you'll be paying if you take out $100 for example
Much better to get a personal loan if you are in that situation. The interest will suck but way less than cash advance