I have fibre in my neighborhood (less than 20 years old), and yet I still have a supported POTS line wired through my house that works with old phones.
So we know Bell is able to supply a D-to-A facility in at least some modern locations. If Karen's new location cannot do this then IMO they're breaking backwards capability. Maybe it's Bell, maybe it's the wiring in her building, but it's not Karen. In any case this situation arguably contravenes Canadian laws on accessibility IMO unless Bell can find an all-digital solution that addresses Karen's needs.