Having to make the choice between going to work at a job where you have health concerns and losing your home is not a fun situation. You're correct that this is not a choice I've personally had to face, but it is a choice that many people have had to deal with. The issue, that you keep ignoring, is that people who "kept working" did so in many cases not by choice, but by necessity. Yes, the privilege that some (including myself!) had to continue working safely is nice. But you shouldn't use that to discount the opinions of people who had to continue working unsafely, but did not want to.
And you are continuing to ignore those people. Anecdotally, those people make up the majority of those in service industries that I know. They weren't happy to have to continue working. They were scared. Were it economically feasible, most of them would have preferred to stay home and not work. But that option wasn't available to them, because not working would mean losing their homes too.
And it is ridiculous for you to try and weaponize my privilege to ignore those people's opinions.
No, especially in the context of the pandemic, it's easy to start talking about pandemic policy as though "everyone should just do X" where X is something extremely convenient, profitable, even pleasant for tech workers and other white collar jobs.
On the other hand pointlessly attacking people just makes you seem foolish.