Rationally, you pretty confident that you won't die? Sure. But what behavior changes are you willing to tolerate not to have to take the chance? I sure wouldn't take the bet on a lark, even though the expectation is that I live.
Now think about extending that same game to your family and friends, to the school down the street, to the shopping mall, and to the elder's home in town. Some people are going to roll 0, and there's a real risk that some of those people are people you know and care about. And even if they're not, your community will still be dramatically affected. It could be your car mechanic, your office's custodial staff, or the greybeard in your office who knows how to decipher the old FORTRAN code.
I'm not willing to be flippant about that. Even 1 in 200 people can be devastating emotional, logistical, and financial toll on a community. I'm not saying panic, but I don't think it's smart or responsible to downplay the risks of infection in a disease that is currently spreading exponentially (or, at least, maintains a positive growth ratio.) Canceling gatherings, temporarily closing schools, working from home, etc.--these are all inconvenient, they make our lives and business harder, they're having a negative financial impact. But they're also totally the reasonable course of action in the face of a pretty serious threat.
Rationally, you pretty confident that you won't die? Sure. But what behavior changes are you willing to tolerate not to have to take the chance?
Evidently none, because here we are diving cars, taking painkillers and rolling coal. This is a solid read: [1]. If you're immunocompromised or old, by all means, stay inside and don't associate with groups of people. If you're young and healthy, you're totally unequivocally fine.
This quote is particularly apropos: "...We're bad at accurately assessing risk; we tend to exaggerate spectacular, strange, and rare events, and downplay ordinary, familiar, and common ones."
[1] https://www.schneier.com/essays/archives/2013/08/our_decreas...
I don't consider it acceptable to sacrifice 3% of the population in one fell swoop, to avoid short-term economic damage. Or even a fraction of that. It's abhorrent. Please walk me through the moral reasoning if this is your stance.
By the way, someone getting very, very sad because their quite healthy loved parent died a decade too early, is also economic damage.