Keep in mind that a huge number of people "had" this virus, showed very mild or no symptoms and therefore did not report it.
That huge number has not been factored into the survival rate. If it was, the percentage of survivors would be even higher.
The unreported cases are included in the Infection Fatality Rate (IFR). The Case Fatality Rate looks at how many have died against how many diagnosed cases there are. The US CFR is currently 1.8%. To get the IFR, serology studies (antibody testing) and other data is combined with the case numbers to calculate a total number of actual infections. The deaths are then divided into that to get the IFR.
So the Case Fatality Rate is 1.8%, but that misses a lot of asymptomatic or mild cases. The Infection Fatality Rate does account for those missed cases, and is 0.65%.
That there is no definitive test to see whether or not you've had Covid-19 is a major failure in this system.
There was a lot of talk about it early on, then nothing.
Why in the world would I take an experimental gene therapy to protect against something that is no threat to me?