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In the example you give that you don’t like, it feels like the characteristic in question is being used unfairly. There are unspoken assumptions being made about the character’s ability, or perhaps unkind tropes and jokes from fiction being brought into play. Neither is based on the character’s individual capabilities, but a general and usually harmful idea of what the characteristic means. (And to be honest, the beanbag thing seems a bit on the jokey side too.) You could try and incorporate anti-stereotype into an aspect but like all such stereotypes it’s multilayered and you can’t head off everything that will be like this at the pass that way.

In the example you give that you don’t like, it feels like the characteristic in question is being used unfairly. There are unspoken assumptions being made about the character’s ability, or perhaps unkind tropes and jokes from fiction being brought into play. Neither is based on the character’s individual capabilities, but a general and usually harmful idea of what the characteristic means. (And to be honest, the beanbag thing seems a bit on the jokey side too - but it is at least based on actual physical limitations that might exist in the game world, rather than an assumption of another player at the table.) You could try and incorporate anti-stereotype into an aspect but like all such stereotypes it’s multilayered and you can’t head off everything that will be like this at the pass that way.

You can’t rely on rules or tools for this scenario

It sounds like you’re opposed to prejudice from the real world applying to the game

In light of clarification in the examples given in the question, I actually think the answer is straightforward, if not easy: you need to have a conversation with your table about the way they show respect for the characters around attributes which are usually demonised and belittled in society at large. You don’t want the character to be treated like a joke for something that they are, using harmful tropes, stereotypes or assumptions from the real world.

That might be an easy conversation to have. In one of my current games, set in a sci-fi futuristic space-travelling setting, one of the characters is in a wheelchair. We just straight up said we didn’t want to have the wheelchair be limiting in any way unless the player found it dramatically interesting or appropriate. In our case, the player is not also in a wheelchair, but our group does deal with other kinds of disability and this was a solution that works for us.

In the example you give that you don’t like, it feels like the characteristic in question is being used unfairly. There are unspoken assumptions being made about the character’s ability, or perhaps unkind tropes and jokes from fiction being brought into play. Neither is based on the character’s individual capabilities, but a general and usually harmful idea of what the characteristic means. (And to be honest, the beanbag thing seems a bit on the jokey side too.) You could try and incorporate anti-stereotype into an aspect but like all such stereotypes it’s multilayered and you can’t head off everything that will be like this at the pass that way.

So if you can, have that talk upfront: that characters in the game, as with people in real life, should be treated with individual respect and not pigeon-holed because of any specific characteristic they may have. This is your game too and you should feel welcome and safe. If you then also use an X-card, it should be clear without you needing to explain what the problem is.

I might be off base with this updated answer, though; perhaps you’re not so sure about the difference between those situations, and what you really want is an opportunity to find out where your boundaries are. If so, my original answer might be more helpful, so I’ve left it in below.

You can’t rely on rules or tools for this scenario

While aspects are a core part of the FATE system, you can make something part of the character without making it an aspect. Aspects must be able to be invoked to be effective, and that means they have to have positives and negatives, and the latter must be out of your control, at least in terms of the offers made. So making this an aspect seems like a bad fit for you.

While aspects are a core part of the FATE system, you can make something part of the character without making it an aspect. Aspects must be able to be invoked and compelled to be effective, and that means they have to have positives and negatives, and the latter must be out of your control, at least in terms of the offers made. So making this an aspect seems like a bad fit for you.