Could you request a prescription for some vaginal estrogen from your GP practice?
This can often be done via an online econsult now without needing to go there or even speak to anyone.
Alternatively it can be bought from online pharmacies and delivered, however this is expensive and treatment is generally required long term.
Using this may help if it is vaginal atrophy.
Also what about sending in a urine sample just to exclude a UTI if it's on wiping. Someone else could drop it off for you.
Ultimately however, if it doesn't settle with vaginal estrogen, persistent postmenopausal bleeding especially in someone not on systemic hormone therapy and with diabetes (risk factors for endometrial hyperplasia) really should be investigated.
IF it gets to that, perhaps you could speak to a GP on the phone and they could refer you for a scan with some anti-anxiety medication.