It's simply becoming standard practice. In many ways, we're starting to move toward a hygienic safety practice. I hate to use the overused example of seatbelts, but it really is a parallel.
- Use of seatbelts saves lives. It might not save you from a very nasty accident, but your odds of survival helps for what its tested for.
- You could survive without a seatbelt, but it's a massive risk to ones self to go without one.
- Insurance companies end up being the ones footing the bill for a bunch of people without seatbelts getting injured or killed. They then put the costs onto users, who even though they might be using seatbelts, they have to pay the increases cause the insurance companies have to incur those costs.
- Hence, people want to start practices that reduces their costs (in my example, money in seatbelts, medical costs and what not in COVID) and have everyone follow the same practice, or else.
Either way, people who are saying "screw the system" can also be screwing the system because you can't infringe on what they do. It's the freedom to do what you want, even if its wrong. Based on this article, Apple totally doesn't want to carry the costs of medical insurance spikes that may come from it all.