They don't have to pay. They pay for what they want to use. They choose to buy expensive clothing or cheap clothing. They choose to drive to work in a Merc or a Fiesta. It's totally up to them. Don't like the working conditions, find somewhere else to work.
You hit the nail on the head with "everyone has to decide the risk to themselves". There should be no lockdown whatsoever. If you want to stay indoors, Mr Smith choosing to go out and about cannot affect you, as you're indoors. Mr Smith's life, Mr Smith's choice.