I could refuse to get into any car accidents. But refusing to drive or be a passenger or pedestrian near cars isn't a way I can live my life. So, ultimately, I've decided that I don't refuse to get into any car accidents.

>I refuse to get infected

Avoiding COVID just isn't possible unless you're prepared to curtail social interactions to the point at which you're barely living. I leave my apartment about once a week (yay depression) yet I still got Omicron. You're deluding yourself if you think it's avoidable.