Coronavirus is not a disaster today, it is a looming disaster. Without human intervention, Coronavirus would be pretty sure to kill millions in the US in a short period of time (1+% fatality * 33+% of the population).
Yes, the chances of you or anyone you know dying today from Coronavirus is practically 0. Coronavirus is not a disaster in the US today. If a vaccine for Coronavirus was scheduled to be given to everyone tomorrow, it would not be a disaster, and we would not stop economic activity for it. But there isn't a vaccine tomorrow, so look at the virus forecast and take precautions.