I recently realized a very simple, almost obvious bias, that I had because I never thought more about it. Moreover, quite a lot of people have this bias too.
What is worse in time of pandemic - to increase the number of your contacts from 0 to 1 or from 99 to 100? Intuitively, since we perceive many quantities on a logarithmic scale, the first thing is much worse. I heard multiple times something like: "I am already doing this and this and that because I have to, so it does not make sense for me to decrease my shopping", or "My roommate (spouse, child...) does not care about this at all, so it does not make sense for me either".
However, this is simply not true. If I care solely about myself, increasing the number of contacts increases the probability to get sick linearly - no logarithmic scale. But if I also care about other people (my contacts, yes), then we have linear growth of probability to become a spreader, and linear growth of the group to whom I can spread, thus leading to quadratic growth of the total expected damage to society.
So, if I have quite a lot of contacts already, I should be much more cautious about adding more than if I have almost none. It sounds so trivial right now - yet so many times I have heard the opposite advice.
Say you meet in a group of n people that all care about each other. Then, by your reasoning, each of the n people is responsible for n2 risk, so in fact (by double counting once more as in the original post), the total risk is n3. If however, we share the responsibility equally each person is responsible for n risk which is intuitive. So this quadratic growth assumption is a bit questionable, I'd like to see it done more formally because my intuition says it is not complete nonsense, but it's obviously not the whole truth.
I feel like this is almost too obvious to state, but question is really not about the marginal risk, but about the marginal benefit. Meeting 0 people probably is really bad your mental health in comparison to meeting 2. Meeting 98 people is probably not much worse for your mental health compared to meeting 100. Meeting 2 people might be more than twice as good as meeting one. But since we don't just care about ourselves, we should also think about the other person's benefit. So even if you are already meeting 98 people but the 99th meets nobody else the benefit you provide to that person may (depending on your age, preconditions, etc...) be worth more than the extra bit of risk.
Sorry for the (very) late reply, but I do not understand this comment and suspect maybe my point didn't come accross clearly, cf. also my other reply to the comment below this one.