Over-exposed individuals, collectively, serve as a population where the virus can thrive and mutate over time. Eventually, a mutation may allow partial or larg

Over-exposed individuals, collectively, serve as a population where the virus can thrive and mutate over time. Eventually, a mutation may allow partial or large bypass against current vaccines -- then it is everyone's problem. In the short term, increasing ICU loads result in less ICU space for others (e.g., those in a car accident). They also drive up group insurance costs, which we'll end up seeing in our premiums in coming years.