The truth.
” its a kulah to daven btzibur?!”
100%
It is a big kula to take risks wwith people’s lives for a minyan. I am not a posek, so I’m not telling you its assur. but now is the time to be machmir, try to be mehader in your avodas Hashem. The Mitzvas hayom is to protect life. Look for hiddurim in being as safe as you and they can be.
” its a ZECHUS not to daven btzibur?!”
no, its terrible not to daven betzibur. how this comment fit in