If I buy a test kit, mask, antiviral cocktail, ICU bed for myself, despite being unlikely to need it, and there's a shortage of these resources, I've lessened the sum effectiveness and response.

Personally? I assume the average person is an idiot, where nuanced topics that elicit emotional responses are concerned.

I'd choose experts doing their best to allocate effectively any day of the week.

The fact that experts are not perfect in no way bears on their nonetheless being better than the average person.