I think the socialising thing is a bit of a red herring to be honest - My life is v fool and interesting, thank you v much, and I love being at home, ideally on my own 
And yes, staying at home on full pay would seem like a lottery win to me. Bring it on.
However, as a society we cannot afford to have everybody off who is at a HIGH risk of getting seriously ill with Covid, never mind everybody at a highER risk. And the nature of risk is that it cannot predict what might happen to an individual - there are no certainties.
I hate even thinking it, but I suspect that the death toll will go on for some years, vaccine or no vaccine. Things will improve if and when the virus mutates into something less dangerous to humans again.
The Spanish Flu is very very interesting and is relevant to the current situation even though we are not now dealing with an influenza virus. How aggressive, virulent and contagious is was, was NOT your typical flu virus and it caused a lot more deaths, particularly amongst young fit people than a 'normal' flu would normally be expected to cause.
And after wreaking havoc across Europe, it went away after some years.