Gotta jump in "hear".... BOB.... The reason I and maybe others play only 3 finger chords is.... I never learned to read the bass clef or use my left hand!
Never had lessons.... Taught myself to play treble cleff at about 10 years old.... Never played piano... just a 12 bass accordion, guitar, autoharp, and harmonica. In the early '90's (that is 1990's) I learned that it is possible to play an electronic piano keyboard bass with 1, 2, or 3 fingers! I knew I could do that!!! Found a KN1000 in a pawn shop in Colorado Springs and a lady who already had one to teach me how to work with it....
I have never claimed to be a pro musician, never will. I do not like "labels"....I just play and sing up a storm and have found that my Nursing Home "peeps" are very appreciative.... So is my Clyde cat....
Playing music is great fun, and great therapy. I have no real interest in learning to read/play the bass clef although I can hear the difference....