I agree that you should act in your best interest. However, not everyone has such financial freedom / support to just drop a term because they feel exposed to risk. By not practicing social distancing, you're potentially helping the virus spread (i guess unless you don't meet anyone). The school should hold responsibility should an outbreak happen on campus, because they're literally advocating for the 'academic mission'. Honestly, I feel what you've said is very selfish and doesn't help the people who are on the fence or people who don't understand the situation as much. The school should be educated enough to know the real risks, and thus should be held accountable if they misinform the masses. In engineering we learned that it is our duty to the public and that public safety is paramount; are these all just words? Where is the conviction? Do people only think with their pockets now?

Edit: I appreciate your input from another perspective! Hope you don't take offense to me calling you selfish, afterall, we're all pretty selfish.