How about, I’m likely to catch it regardless of what I do, and the price of isolating is too high relative to the very small chance of death or serious illness.
If you consider the typical Yid gives up most of his income by deciding on being Shomer Shabbos, and then undertakes a frum lifestyle which takes up virtually all of his disposable income, and he does that not out of fear of a virus, but out of fear of Ha-Shem. And he probably believes that Torah and Mitsvos is not only his raison d’etre, but is the entire reason the universe was created, and is allowed to continuing in existence. So there is a chance of 100 in 100 that if he gives up Torah and Mitvos his world will disintegrate. And then try to scare him with a virus that apparently only makes people sick in 1 in 10 cases (based on antibody and ransom testing data), and only causes serious illness perhaps 1 in 20, and is fatal only 1 in 200, it just isn’t very scary.