[zosima]

Most people don't wear life-vests on dry land. Severe flu is very, very rare in most healthy people below 60 or 70. It's simply not a real risk, compared to driving to and from work.

[croes]

Winning the lottery is even rarer and still people play and think they win.

And keeping the life vest metaphor, we are not on dry land, we are on a calm sea but still on the water.