you are comparing apples to oranges.
It's rational for someone who is currently healthy, in an age group with a 0.2% of COVID turning into anything more than a standard cold/flu, to turn down an immediate risk (orders of magnitude larger) that they will feel unhealthy for a couple days.
except that's not the statistic... that's the death statistic for that age group. the odds of getting sicker than cold/flu are higher still and you will get much much sicker than the vaccine will give most people.
https://covid.cdc.gov/covid-data-tracker/#demographics
the death rate in that cohort is 0.36% or about 1 in 300
14,387 deaths in 3,978,547 cases
considering that they are on the high end of that bracket the next higher bracket is about 1.3% mortality rate or about 1 in 100 though that houses the group up to age 64 so it's more likely closer to the 0.5%-0.8% mortality rate but that's interpolating the data so it's messy.
People who are currently healthy choosing to avoid the risk of immediate short-term pain when presented with a small, remote gain seems like classic prospect theory!
[0] https://www.statista.com/statistics/1122354/covid-19-us-hosp...
[1] https://www.cdc.gov/vaccines/covid-19/info-by-product/pfizer...