I'm a tutor and I would find it almost impossible to tutor online.
Firstly, none of my resources are made for online leaning (and I have hundreds stored in 20+ lever arch folders that would all need changing across 3 different key stage groups for online provision - no happening!).
Secondly, the reason my parents/students come to me is because they need the personal 1:1 tuition that they just can't get at school. The personal touch that doesn't exist online.
For those two reasons alone, I'd agree that online tuition is much less effective that face-to-face.
Thirdly, because I've endeavoured to make my tutoring space Covid-secure, and all my parents (or students over the age of 18) read and sign my Covid risk assessment and waiver if they are happy to go ahead. I've tried to adapt my at-home learning to be as safe as is reasonably possible, as I'm sure all home-based private tutors have.
We're a lot safer than schools are!
So far, no problem - but I am never complacent.