[tharkun__]

I would assume that you also have the luxury of being more careful.

If one can work from home, has no children in public school, lives in the sticks and restricts themselves to necessary trips to the grocery store only, then your risk of getting it is rather lower than if your work is 2 minimum wage jobs with lots of customer contact (say you work at a grocery store in a densely populated part of a large city etc.), you have to take public transport across town to get there because you can't afford a car and your kids are at a public school in the worst district with huge class room sizes and less than ideal 'clientel'.

[ddingus]

Absolutely true. So many are unable!

That's a big contributor to why I won't blame people for playing it differently.