The solution here is to augment our tools with the information a screen reader needs.
To follow your example, we don't build separate bank branches for wheelchair users, we just extend existing branches with ramps, elevators and anything else they might need.
We already do this with other kinds of user interfaces. For example, web pages can be annotated with ARIA attributes, which don't influence how a page looks, but tell the screen reader that something is a checkbox which is currently unchecked. This is only required if you don't use the native HTML checkbox control, of course. Other platforms have their own ways of doing this, see iAccessible and UIA on Windows, ATSPI on Linux and AXElement on the Mac, for example.
Terminals were never meant for use cases like this, look at how hacky tty control codes are. If not for the fact that they're basically a bunch of ugly cludges that somehow work, there would probably be an aPI for that too. For now, though, we have to live with what we have.