True. But I don't think you can really make an apples to apples comparison between COVID-19 and the Seasonal Flu. Overall COVID-19 has about a 10 times higher death rate as a percentage of infected people. Much higher if you are older aged and/or have pre-existing health conditions. I would really be surprised to see anyone in, let's say their 70's on up (or even 60's), or people with pre-existing health conditions, in any situation where they are in a relatively enclosed environment with hundreds or thousands of people for extended periods of time (many hours or days.) Prior to receiving an effect vaccine.
It's very possible that a future outbreak like the COVID virus could be much deadlier, like 25% death rate and affecting all age groups equally. That would be a complete world economic catatrophe if something happened like that where the virus was spread just as easy as COVID-19. People would not be leaving their house prior to a vaccine.
"When you put yourself into a new environment like a hotel, ship, plane - you're introduced to factors out of your control" Yes. But the question is, do you choose to put yourself in that situation in the first place. With COVID, it can be a difficult choice based on personal circumstance a attitude towards/perception of the risk. If you had something like EBOLA that was spread just as easily, the decision would be much simpler.
I ran some numbers a while back and I think it came out to each person's statistical likelihood of knowing an immediate family member or very close friend that has been infected by COVID is around 1 in 100 (in the USA). That greatly affects people's perception of the risk. That number will only get worse the longer the virus persists without an effective vaccine so people's attitudes on average may change over time prior to the vaccine as the chance it hits closer to home grows.