It's really good that you are protecting each other.
At the start of the pandemic, nobody knew how it was transmitted or who was most at risk, so it was sensible to shut things down until we understood.
I have protected myself and others by obeying all the rules from the start. I have been vaccinated and wear my mask religiously, avoid contact with other people and wash my hands any time I have been away from the house.
Surely it's now up to me to protect myself if I feel unsafe? If shops and cafes reopen, none of us have to use them if we feel unsafe (I never ate out to help out for example as I thought it was asking for trouble). As a retired person, I am not forced to commute or work alongside potentially infected people.
By all means protect vulnerable younger people, financially as well as practically.
I haven't got any answers, I just don't want other people to suffer for my safety when I can protect myself so easily