Lowerourtuition Covid is contagious but you have to weigh the benefits of learning and davening verses the chance of dying from Covid-19. For all you know thousands or even millions including you, have it but its so mild they don’t realize they have it. Even if you don’t have it are you staying home and not going to work. How will you get food and water if you don’t go outside to shop. The water maybe contaminated.
You must believe in G-d and if you do and pray to him he will protect you. How can you cross the street maybe a car will come and hit you. You believe the car will yield the right of way to you but not that G-d will protect you?
Do you really think that if shuls close everyone will daven 3 times a day. Or that thousand of kids will stay home and not play out in the street?