True. But we also make judgments about what risk to avoid, what risk to mitigate, and what risk to accept. We don't just accept all risk because "it's called living."
I have to go to the grocery store and get groceries. My family has to eat. That is a necessity of life. So I will do my best to have as little contact with people as possible, but I will go. That's a combination of mitigating and accepting risk.
I do not have to go to Walt Disney World. That is a luxury that is not needed. Therefore, I am not going to accept or even try to mitigate that risk. I will simply avoid it until the situation changes.
Just because life has to go on does not mean you don't make changes as a result of risk.