You're right, it's not a disability. However, it's also not always elective. Sure, a private business has no requirement to serve people outside of the market they want to serve, but what if that business is providing a service that is de-facto required in order to access government services?
It's the government's role to serve everyone generally, so they should provide reasonable accommodations for people. I suspect there are such accommodations, but it's hard to say without looking at a specific, real scenario.
Also, not always elective? I'm not so sure about that. You decide where you live. If you're a minor, your parents decide where you live. That's elective in a meaningful sense. You might have reasons you are personally weighing that make sense for you to live in a certain place, but accessibility of services should be part of that calculation, and ultimately it is still up to you.
The government isn't obligated to pay for your gas or provide you a car to get to the nearest post office to pay your taxes, for example. If you choose to live in such a way where it is difficult or impossible for you to comply with the law, there is not much the government can or should do about it.