I have the same problem. I am new to iPhones having moved from a Sony Xperia 1 so when I bought a brand new iPhone I decided I would buy the most expensive one they make. The iPhone Pro 13 Max with a large amount of storage, I also took out a 2 year insurance on the iPhone and 2 years of Apple support. I will say that I am quite impressed at how Apple have the ability to take over your phone remotely.
I asked how do I make my iPhone default to speaker phone ? as a disability question.
I have Multiple Sclerosis but no problems with my hearing.
Personally it I don't think hard enough about Accessibility & Disability because I find I have to scrabble about turning the speaker on. Apple support acknowledged that It might be something Apple consider in there one of their software updates.