Where are you getting the 5% from? You're just adding the 5% on and on prior to "What if's" that don't sound plausible to me. Although if you did quote experts there I would like to know, that could change my view. To my current knowledge it is more and more looking like its fatality rate is sitting around 1%. People, especially older ones, die, we often supress that thought in the western culture. And many die, everyday. If the economy crashes many more will die most certainly.