[koffiezet]

I would assume indeed that your first point is the most important-one: people already in bad health, susceptible to heart attacks and strokes also have a much higher chance of getting seriously affected by covid with fatal consequences in the first place.

This is also something you see in statistics, that after any large flu epidemic, the general population mortality figure drops to something significantly below average, especially for people in the 65+ age group.

You can see this very well on EuroMOMO [1] - check out the numbers for the Netherlands in 2018 from week 10 throughout 13. This is a flu epidemic there, and the aftermath.

[1] https://www.euromomo.eu/graphs-and-maps/