The point is that if you aren't in agreement, then you can't be part of the group of people that say they are safe.
They have tried making MRNA shots for a long time with consistently negative results. Maybe they got it right this time, but still there is reason to be skeptical, as a "lay" person you have to trust the system that this shot was produced properly, tested properly, stored properly, and administered properly. Even if on a large scale there are low risks, something can go wrong on any one of those steps.
We also have never had a shot like this brought to market in such a short period of time. There is barely a year of data in the public, and that data is heavily politicized.
It's nearly impossible to ask an honest question as someone who may be worried for fear of being labeled a lunatic or a "walking bio-weapon" as someone said before in this very thread.
And then we see how much money a company like pfizer has made off of this, and their track-record in the past as well as the track record of many other pharmaceutical companies, and you have a recipe for people to be worried. Remember, public health looks at outcomes on a population level. If they push something and they think it will have a net benefit overall, they are not thinking about you and your own risk profile. You have to do that and unfortunately we're increasingly telling people that doesn't matter, that you must do what is right for the group and by-the-way, you can't possibly know what's right for you anyway.