An effective vaccine does change the risks, but I hope you’re not suggesting we’re all shut down for 18 months. The economic damage will exceed the effects of the virus.
We’ll see how the herd immunity model works out, I don’t know and neither do you.
Most people aren’t at the same risk as elderly/underlying health issue citizens. I’m sure some, like you, will hang back even after the economy begins to restart, some can’t afford to.
And how many millions of essential workers do you think are reporting work every day throughout this at grocery, big box, pharmacies, city/county services, police, fire, health care, about 20% of restaurant workers (for now). Even if we reach 20% unemployment (I hope not), that’s 80% working and not all are at home.
We don’t know what the “facts” are yet.