I don't think you understand risk. It's not an all or nothing. Yes there is a risk to crossing the street but we mitigate the risk by stopping at the kerb, looking both ways, using crossings where available. We still might be mown down by a truck but it is less likely. Similarly, there is a risk of catching Covid if we take a cruise but we lower the risk by masking, vaccinating and testing to help protect others. Still might get Covid, but we've lowered the risk.