"Logical to minimize exposure" is a nifty way of saying you are scared of getting covid. You chose to assign a negative connotation to being scared of catching a virus.
Doing a cost-benefit analysis and avoiding high-cost tail risk doesn't imply anything about psychology.
I think a better question is why shouldn’t people be afraid of catching Covid-19.
Personally that's my main motivation to stay in and take care. Not to protect myself, but to protect other people.
Including people I know and care about personally, and people I don't know and never will.
Some of those other people will die or live with a horrible disability which may be lifelong, if me and people like me don't collectively adopt that stance.
That's a great reason for me to stay in, be careful, and minimise exposure!
So I do it voluntarily and gladly, and wish others would make the same decision, and when they can't for reasons outside their control, wish that they could if they want to.