No, because while many humans are risk averse, we also live in certain cultural circumstances that prevent us to make that decision unilaterally. For example,

No, because while many humans are risk averse, we also live in certain cultural circumstances that prevent us to make that decision unilaterally. For example, I cannot just tell my boss, I am working from home, even though in my case there is no problem. Even if he allows, the company policy might not. (Although I am lucky I live in a sane country and we have that policy now.) Or in Czechia, now everyone wears a mask (since it is mandatory). It became a norm in like 2 days, one day almost nobody had them (and people felt that wearing them makes you look sick), the next day they became mandatory in public transport, and the day after everybody had them. There are other examples like that, where the peer pressure plays an important role (in preventing humans to make rational decisions).