Most of the messaging I've heard is somewhere between "only the elderly are at high risk" and "if you're young and healthy you should be fine, but you should take precautions A, B, and C to keep yourself from accidentally spreading it to at-risk groups". For most people that are taking things seriously, the "fear" comes from the possibility of being an asymptomatic carrier and passing the disease along to someone who is either elderly or immunocompromised. Reducing your personal risk from "very low" to "negligible" is a bonus.