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Case fatality (which is at 3%) is not the same as infection fatality. You cannot directly measure infection fatality until the pandemic is over (the best you have are estimates until then), so going with the case fatality rate (which has stayed around 3% for most of the pandemic) seems like a reasonable choice.
How will you measure infection fatality after the pandemic is over? You will still need to know the number of infected (including the asymptomatic) before you can arrive at a meaningful number. Or do you mean that infection fatality can be calculated once you assume that 100% of the population has been exposed to the virus? IFR would still be based on assumptions, I think.
Most people have some kind of underlying health condition (more than two-thirds of the western world are overweight or obese -- that's already one co-morbidity), so it's not surprising that most people who die from CoVID have other health conditions. And this is ignoring the more obvious problem that even otherwise perfectly healthy people can infect family and friends.