Is there a rational reason behind this? The hyper scary emotional reaction is to close everything down, but given the at risk population is well understood- is

Is there a rational reason behind this? The hyper scary emotional reaction is to close everything down, but given the at risk population is well understood- is this a money grab?(less brick and mortar costs) The 70 year old professors and obese 50 year old professors clearly are able to online teach, why make everyone lose? Heck if students went to college we'd get closer to herd immunity.