Extending your analogy, I think it's more like if someone decides it's not worth sleeping under a bednet. Or my deciding not to wear an N95 at the supermarket. I might agree or disagree with them on whether the risk they're taking is a smart choice, but "cowardly" is a bizarre angle to criticize it from.

My argument is not that I have nothing to hide. Instead, it's that hiding has enough chance of not working that none of us should rely on it.