I hear ya. I used to scoff at the people who still wear masks - especially the ones I occasionally see driving their car alone, but masked - but I get your point, we likely don't know their reasons for wearing them, and I've decided I won't judge. Are some motivated by fear? Probably, like that masked lady in the supermarket who, seeing me unmasked, made a rapid U-turn with her cart and sped away from me. But I will try my best to give them the benefit of the doubt.
Did that happen recently?
I was just in a hospital birthing center for a job I was doing. The only masks on anyone were the docs coming out of a C Section. That was refreshing.
2) N95 do have some effectiveness in preventing user from spreading viruses but have to be changed frequently.
So yes, I will still mock the fools who walk around or drive around wearing surgical masks or cloth face diapers, usually under their noses. It shows a lack of intelligence, sheepish behavior, or germophobia (even if the latter, at least wear an N95 and change frequently).