This is the exact reason vaccine mandates are necessarily and even desirable as a policy. You're not alone, but the proportion of the population willing to live with discomfort in life is vanishingly small, and hopefully small enough that herd immunity can be reasonably established.

We see similar behavior/attitudes among off-grid folks who refuse to use credit cards or other common adaptations.

I make no judgment of you for your thoughts, just pointing out why a policy maker is justified in increasing the personal cost to ensure the responsibility of freedom isn't shirked, since an unvaccinated population invites variants and harms (imposes social cost) on people unable to be vaccinated (kids, medical issues). So long as Anti-vaccine advocates are willing to pay for the costs of their actions, have at it.