Money is a very bad medium to talk about probability and human reasoning because doing so supposes that all dollars are worth the same when in reality they are anything but. Your last dollar is more valuable than your hundredth dollar which is more valuable than your thousandth dollar which is far more valuable than your millionth dollar. Giving someone ten million dollars does not make a hundred times as much difference to their lives as giving them one hundred thousand.
https://en.m.wikipedia.org/wiki/Value_of_life
VSL
Framing it as them knowingly sacrificing the equivalent of $100 k for no good reason ("belief!") is dishonest to the complexity of the problem.
Most serious illnesses will compromise the immune system. A compromised immune system will make you more vulnerable to any infection. So the most common and most spread infection will then also naturally be the most common one to trigger death.
If someone has aids, which is a decease that compromises the immune system, and then dies from pneumonia. Did they die from pneumonia or aids?
The statistics are a total mess in my opinion and any being professed with any exactitude should be taken with a grain of salt.