Whether it’s from disregard or ignorance, the end result for users is the same: lack of accessibility. I don’t think the well meaning but ignorant person is bad, though. I’m sure I’ve inadvertently made software that was challenging in ways I’d never have anticipated. “Click Cancel in the next 10 seconds to stop erasing your hard drive. 9. 8.” (Guy with ALS desperately tries to move the cursor over to the Cancel button.)
There are so many ways a person’s abilities can be different that the norm. Someone can be quite empathetic and still miss a lot of things they could be doing better.
Especially web accessibility standards are so tenplatizable and test driven now, there really is no excuse.
What you're saying is equivalent to a restaurant owner who doesn't serve meals adequate to allergic people is a jerk and should go out of business.
I don't think software shop owners that are ignorant of or ignoring accessibility are necessarily jerks. Before being informed, they are transgressive to good sense; after being informed, immoral. How they act directly towards someone is what defines whether they are a jerk or not, and that, in my mind, is not really connected to the conversation.
Not every object needs accessibility - a flashlight might not need braille - but this should be the absolute exception that proves a business is viable in its delivery.