I agree that it has taken a mental health toll on many. I also think playing the "if" game or "shoulda, coulda, woulda" is all well and fine for conversations, but you said it - there is STILL a bad virus out there that is killing people, making people sick, and effecting pretty much everything. And every individual has a CHOICE as to how they will respond to these things - some do well, others do not.
Edited to add: Admittedly a bit more sensitive to "pooh-poohing" the virus right now as just found out two of my nieces have COVID in their households (all adults positive and having symptoms). 2 year old in one and 10 day old in the other!!!! Besides being sick themselves, these young parents are just consumed with concern for their kids. Sigh...