I agree generally that at some point we will cross the line where the economic and financial harm will outweigh the harm from Covid-19. (The trick is know when that line is reached. Apparently the EPA values a human life at about $7m. Other calculation come to about $130k/year.)
Couple of point (all my opinions):
1. Without the "hoaxers" and deniers we would be able to trust the people to "observ[e][...] sanitization & social distancing measures". To some extend the strict measures are necessary due to those groups.
2. Concussions are not contagious, so the NFL players are making decisions about their own health only. With Covid-19 you take responsibility for _other_ people.
3. The fact that one can be financially ruined this way points to deeper problems in society that should be fixed. Rather than forcing sick people back to work and putting the ethical dilemma of working vs. the safety of others on them, we should support those in need.