My husband has various health conditions so I instigated a conversation as to whether we should change our behaviour in any way. At first he thought I was being ridiculous, but then said he would not be using the bus ( he rarely does anyway) or going to any concerts at the moment. I can understand that, and he will continue to go to local shops, and practise good hand washing.
On the other hand I went about my normal activities today, with his blessing: bank, shop, voluntary work, involving four buses. The town was full of people doing their normal thing. No signs of masks or any precautions. No cases anywhere near here, as yet.
So I can understand anyone with health concerns staying at home, but equally life has to carry on. If you are retired you have a choice. Most people don’t, they need to work, businesses need customers. At the moment it is up to the individual. We each have to do what we feel is best.