If you are wearing your mask and glasses then a cough to your face should not be a covid issue.There is only so much you can do to protect yourself. Saying that people who contracted covid have only themselves to blame is like saying innocent bystanders killed by drunk drivers have only themselves to blame. You can't do much when a drunk going 90 mph suddenly veers into your lane and hits you head on any more than you can prevent a covid infected person from jumping in front of you and coughing directly in your face.
The majority of the people infected on that first quarantined cruise ship did nothing to put themselves at risk. The majority of patients infected at nursing homes did nothing to put themselves at risk.
A drunk at 90 mph is already breaking many laws that were created to prevent the problem. Your best hope in dealing with such a wreck is trying for whatever avoidance you can and in having selected a vehicle to drive that enhances your chances.
Those on the ship seemed to have failed in a variety of things they could have done to help them self’s.
I agree those in the nursing homes were victims. Just as they would have been when catching the flue or other illness from CAREGIVERS improperly doing their job and failing to follow already existing rules.