I teach at a university but due to previously being in the Shielding category I’m extremely fortunate that my employers are insisting I teach online from home.
I’m not meeting anyone outside my home. I wouldn’t survive ventilation due to my health conditions and I have a family member who’s as high risk as they come. I’m not prepared to put anyone I love or anyone else’s loved ones at risk.
I’m in a local lockdown area so we are strongly advised not to mix households. I don’t care a jot if I get flamed for this, but when I do have to leave the house for something essential (post office, bank, a walk etc) I will ensure I do so within school hours so that I limit my contact with children who aren’t able to social distance and have been mixing in large groups. I will sit or stand as far away as possible from everyone at my health appointments and move if necessary.
I have every right to make the calls I wish to make about the risks I’m willing to take. The majority of my family are doctors, nurses and care workers. The more I do to personally limit the spread the more I am protecting them and making their job easier.
I’m in regular contact with my friends and loved ones. We do Zoom coffees, online groups together, FaceTime, regular phone calls and texts, we send each other little cards and letters. The vast majority of them are also social distancing and have loved ones they want to protect. You don’t have to meet in person to be a good friend, although prior to it being banned locally I had a few one-to-one socially distanced garden meet ups with friends that were lovely. We know we will have all the time in the world to meet up when this is over.
It’s no one’s civic duty to meet up with a key worker who is much higher risk for coffee indoors. You can be a good friend to someone who’s at more risk and support them in other ways. If she phrased it the way you say OP she was tactless, and I’d find a different way of phrasing it, “I’m sorry, I’d love to meet up in person but for now I’m limiting my exposure and not doing in person meet ups. Can we have a long coffee and chat on FaceTime or over the phone?”. But I also thing you are being unreasonable towards her and dare I say, a little selfish and demanding. It’s really unfair to think it’s your right to put others at risk because you somehow think people owe you in person meet ups.