I agree everyone has to make their own decision- and I have friends who err on the side of caution, and some that are much more get out there and enjoy it.
However, it's like the other issues with corona have just gone away in this discussion. I don't mind living a fairly locked down life, and I don't mind living a life where I go out a bit, so I'm happy either way, but lots of people are not. The amount of threads on mumsnet about two weeks ago, right up to now, where people can't go on, it's hell, it's not even worth living any more because of the restrictions on life. Lots of people do not mentally feel they can go on in this level of isolation and lack of human contact and lack of ability to take part in activities- so the decision to sit home and keep yourself 'safe' does have emotional consequences for others, even if you feel justified as it stops the spread of corona.
Second, the economy is crashing badly, and if everyone plays it safe and stays in and doesn't go out for coffee, but also doesn't go out to shop or to restaurants or to services or to anything really, then it's not going to recover very well. I'm not going out to support Costa, but I also see that staying in constantly from now on is going to have an economic impact. I'm ok with that as I have a secure (ish) job and so am not worried like the nearly 1 million who are probably going to lose theirs or have already lost them when furlough ends and demand drops.
Finally, it is about what type of society we live in. I think it's extremely sensible for people who are older or ill or have conditions to shield or even just not to go into higher risk situations. However, I've been astonished at everyone saying that the universities shouldn't have gone back this year and everyone should just have stayed online. The cost, the mental and physical cost of online living is incredibly high, we know it's being paid by ordinary people all the time, why would we consign a generation to that? I think giving them some opportunity to learn away from home, and some opportunity to socialise, even though that's an increased risk is just so important that even though there is a cost to that (covid) we might just have to tolerate it.
Yes, this example is just about a coffee, but all those not having coffees do add up and it's about what type of mentality we are going to have, and what type of society we are going to have in the years to come. I suppose I'm also influenced by the fact I don't think a vaccine is going to be the answer, especially if all it does is make the illness milder (so many people will choose not to have it) and will only practically and realistically be given to the higher risk people.