Your larger point is valid, but in the specific case of COVID, the vaccine is free and incredibly plentiful so that’s no excuse. You can pretty much walk into any drugstore in the country with no appointment right now and get the shot, no questions asked.
That said, there are two (and maybe only two) valid reasons for vaccine hesitancy at this point:
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People working low-wage jobs or multiple jobs often can’t afford the time off (or would get fired) for the recovery period from the second dose. It’s basically a mandatory sick day for most people, which many people cannot take. This is, of course, the fault of the terrible social safety system in the US that people are forced to choose between possible death from disease and not being able to feed their family because their boss is a monster.
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People of colour have a long history of terrible mistreatment by the medical establishment, so they understandably have some concerns when they are told they must do something by people in white coats.
These two points get made in every COVID thread, but it never seems to hurt to list them again.