Not all that familiar with Accessibility options but I'm sure turning them on doesn't lock users out of their devices. If it did that would be like an anti-accessibility feature....
Let's start with what you see when you open or power on the device? You say password so we'll assume that you don't have a pattern or pin set, which means you should get a keyboard and a little space to type in. If you only get the little space, do you get a microphone symbol so that you can speak your password? I do believe that you have to spell your password and not say it and that would include indicating capitals by say "capital" and numbers by saying "numeral", might be able to say "number" again not totally sure, but it sounds good. You know what I am sure of? **Rhetorical question. I'm sure we won't be of much help if you don't respond to us.
Best wishes