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That’s because you’re overlooking the fact that stupid people mingle with other people whether they want to or not.
If you don’t have at least a handful of truly idiotic coworkers and neighbors, you’re probably a self-employed hermit…
I have idiotic coworkers but I also work from home so my exposure in minimal.
You still interact with other people in person, and one or more of them interacts with the public.
If you learned nothing else from CoViD-19 I would hope you at least learned that you are only a couple degrees of separation from a hotbed of infection at most.