...and here it is in a nutshell. You have an issue with the CDC being concerned about the whole country and not just one individual like yourself.
There are basic rules/advice for general financial stability, and then there is personalized advice catered to an individual's personal financial situation. You wouldn't go with the general advice if your situation called for a different strategy, but you also wouldn't have an issue with general advice being given. It's not a contradiction.
The CDC has its place. They are supposed to give generalized guidance to the country. However, each person should give more weight to medical advice catered to their specific situation. The issue with the CDC isn't that they look out for a the country's overall health. The issue is that they've been over politicized since the beginning of this pandemic, and their guidance has been opaque, with little nuance or explanations.