COVID19 is not lethal for the majority of people. We will all die of something eventually but if some people are particularly fixated on COVID19, they are welcome to spend more time at home (instead of going out to meet people) and they can try to find remote work or some job which doesn't require so much contact with other people. Anyone could easily bring their risk of catching COVID19 to nearly 0% by limiting social contact, proper distancing, hand-washing, mask-wearing, choosing the right kind of job (or retiring), getting plenty of sunlight, vitamin D supplements, living outside of urban centers, not travelling too much, etc... All of these things are going to be way more effective at protecting individuals from COVID19 than any vaccine and these things don't require ruining other people's lives.
Also, if you don't want to risk dying of COVID19, you can just go live in a remote village/town; nobody is forcing you to live in a densely populated city. Big cities are reservoirs for the COVID19 virus. Other people can kill you; this is a fact of life which we have to accept. If you choose to constantly surround yourself with many people, then you're taking the risk, nobody else owes you protection from whatever viruses they may harbor inside their bodies without their knowledge.
The hospital system will be fine. If hospitals become too crowded with COVID19 patients; they can just start turning them away! People will come up with solutions; temporary/makeshift COVID19 hospitals, home-delivered ventilators, etc... Maybe governments can fund this if it comes to that?