Unless my acquaintances and friends are very unusual it's certainly not true that the "vast majority" of people are not at risk.
I think your friends are very unusual.
In comparison I know one person who died from "covid"... but they were already well past the date they had been given to live after alcohol abuse and liver failure. They didn't test positive. The doctor put covid as they thought it might help with insurance.
Nobody else I know has been admitted to hospital or suffered anything more than mild illness, inc me.
But what is the point in only talking about the people we know, right?
They do have risk calculators. A 55yo woman with asthma and coronary heart disease has a 0.0058% risk of death and a 0.062 chance of hospital admission. Reduce that by 80% if they are vaccinated (which they should be).
The vast majority of people are low risk.
Compare that to cancer where 1 in 2 people in the UK will be diagnosed in their lifetime. That is the vast majority of people being high risk, and one could argue it does very little to change the vast majority of people's behaviour when 6 in 10 people are overweight, and being overweight is the second biggest risk factor after smoking.
But yes let's ban people with 0.0004% of something from public life to protect people from a 0.0004 chance of dying of covid. Because statistically speaking that makes perfect sense. Covid might feel more real or more immediate but why is that an excuse to defy all logic?