People make decisions. We assume those people weigh the risks of their decisions or their non-decisions. Sometimes calamity happens or is prevented. Hard to measure all the costs, both fiscal and physical, in advance. If someone took all precautions and calamity still befalls them, I can have empathy.
If people choose to take their chances and calamity befalls them, I have little empathy. We insure against clamity whether through the purchase of insurance or the existence of sufficient savings to weather the financial impacts of the storm. If you smoke and you contract a lung related disease, you made your choice. If you are obese and don’t take care of your body and Jerry Springer has to cut you out of your home with a chainsaw and extract you with a forklift, you made your choice.
If you examine objective Covid data and choose not to get vaccinated, you made your choice. If you choose to get vaccinated, you made your choice. If you weren’t prepared financially for the consequences of your decisions, you made your choice. A post Covid gofundme campaign won’t trigger generosity from those who weighed their options in advance. Kinda like building your home on a river bank, floods happen.